florida birth related neurological injury … turner reserve... · 2016-03-31 · turner...

TURNER CONSULTING, INC.

FLORIDA BIRTH RELATED NEUROLOGICAL INJURY COMPENSATION ASSOCIATION

REVIEW OF OUTSTANDING LOSS RESERVES EVALUATED AS OF MARCH 31, 2016

Turner Consulting, Inc. August, 2016

TURNER CONSULTING, INC. CONSULTANTS AND ACTUARIES

125 Clairemont Avenue Suite 540 Decatur, Georgia 30030 (404) 373-2326 Fax (404) 373-2311

August 1, 2016

Ms. Kenney Shipley Executive Director Florida Birth Related Neurological Injury Compensation Association 2360 Christopher Place, Suite 1 Tallahassee, Florida 32308 Re: NICA Outstanding Loss Reserves – Evaluated as of March 31, 2016 Dear Ms. Shipley: Please find enclosed our report on loss and loss adjustment expense (LAE) reserves established for the Florida Birth Related Neurological Injury Association (NICA) as of March 31, 2016. We have enjoyed working with you on this project and look forward to discussing any questions or comments you may have. Sincerely,

George W. Turner Jr. Fellow of the Casualty Actuarial Society, Member of the American Academy of Actuaries Cc: Tim Daughtry, Steve Lehmann

FLORIDA BIRTH RELATED NEUROLOGICAL INJURY ASSOCIATION REVIEW OF OUTSTANDING LOSS RESERVE

EVALUATED AS OF MARCH 31, 2016

Table of Contents Section Page Introduction Purpose 1 Background 1 Distribution and Use 3 Conditions and Limitations 3

Executive Summary 6

Methodology 9

Historical NICA Inflation 18

Prospective NICA Inflation 20

Discount Rate 20

Payment Pattern 22

Incurred Projection Cumulative Development Factor 23

Risk Margin 24

Reinsurance Recoveries 26

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INTRODUCTION

Purpose Turner Consulting, Inc. (Turner Consulting) was requested by the Florida Birth

Related Neurological Injury Compensation Association (NICA) to estimate the

outstanding loss and loss adjustment expense (LAE) reserves related to claims

incurred by NICA under the current definition of a “birth related neurological injury”

(BRNI) as contained in Florida Statute 766.302. The loss and LAE reserve

estimate is related to claims incurred prior to and evaluated as of March 31, 2016.

The loss and LAE reserve estimates are developed on both a current (2016) cost

level basis and after consideration of prospective period inflation and anticipated

investment income.

Background

The Florida Birth Related Neurological Injury Compensation Association (NICA)

was created by Florida Statute to provide care for children beginning in 1989 that

meet the birth related injury criteria as defined in Florida Statutes 766.301 to

766.316. The NICA statute replaces the traditional tort liability remedies with a no-

fault type system for those children that meet the requirements as defined in the

statute.

The qualifying child must be severely mentally and physically impaired. In addition,

a claim must be filed within five years after birth. Prior to the 1994 birth year, a

claim had to be filed within seven years of birth.

Care is to be provided for the life of the child. Funds are collected from the various

medical care providers during each birth year and invested until payments are

required on behalf of the qualifying claimants. There are very limited resources for

collecting additional funds from the insurance industry and the Florida Office of

Insurance Regulation in the event the funds collected from the medical care

providers is not adequate. Due to the significant time period expected between the

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time when funds are collected and actual benefits are paid, the estimated impact of

inflation as well as an estimate of anticipated investment income must be

considered in the establishment of overall loss and LAE reserve levels.

In reports issued prior to September 30, 2012 certain care provided by parents or

guardians to claimants paid for by NICA was described as “family care”. While the

estimates as developed in the prior reports as well as in the current report are

based on a review of all amounts paid and case reserves established related to all

care as covered under the NICA statutes, a separate estimate of the amounts

related to “family care” was also shown. In the current report no separate estimate

is shown for the expense previously labeled as “family care” other than the

segregation of amounts estimated for the retrospective portion of the class action

settlement as described in the next paragraph. However, a separate estimate of

the reserve amounts related to “family residential or custodial care” as defined in

Florida Statute 766.302 (10) will be calculated for purposes of the threshold

calculation as described in Florida Statute 766.314 (9). This statute specifically

excludes benefits related to “family residential or custodial care” for purposes of

the threshold calculation in the statute.

A class action settlement agreement was entered into during September 2012

which was approved pursuant to a November 26, 2012 Final Judgment and Order

by the Florida Circuit Court. The settlement terms may impact benefits payable to

all parents or guardians of a child born with a “birth-related neurological injury” in

the State of Florida during the time period of January 1, 1989 through June 6,

2002, who obtained a final order which imposed on NICA the “continuing obligation

under provisions of Section 766.31, Florida Statutes, to pay future expenses as

incurred”. The estimated impact on the case reserves of this settlement agreement

have been incorporated into the case reserve estimates as provided by NICA. The

impact is separated into estimates related to the retrospective portion of the

settlement (currently defined as prior to August 1, 2012) and the prospective

portion of the settlement (currently defined as subsequent to July 31, 2012). It is

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our understanding that substantially all of the retrospective portion has been paid

in full as of March 31, 2016. The retroactive portion of the settlement has been

paid based on information submitted in writing to NICA by class members that

either NICA agrees to pay or is ordered to pay by an administrative law judge.

Thus the reserve estimates as shown in the attached exhibits no longer include

separate reserve estimate for the retrospective portion of the settlement

agreement.

Qualifications I, George W. Turner Jr. am a consulting actuary for Turner Consulting, Inc. I am a

Fellow of the Casualty Actuarial Society and a member of the American Academy

of Actuaries and I meet the Qualification Standards of the American Academy of

Actuaries to render the opinions as expressed in this report.

Distribution and Use This report is intended solely for the use of NICA and its Board of Directors and

advisors. Any further use or distribution of this report is not intended or authorized

without our prior written consent.

Conditions and Limitations In preparing the estimates as shown in this report we relied without audit or

verification on loss, exposure and expense information provided to us by

responsible employees of NICA.

The indicated ultimate loss and LAE estimates provided in this report are based on

the accuracy of the loss projection methods including the estimation of claim

frequency and average claim size for each birth year. In addition, the final loss and

LAE reserve estimates will be affected by the prospective period inflation and

investment returns realized by NICA. The combined impact of these factors results

in a significant degree of uncertainty in the estimated NICA loss and LAE reserve

evaluated as of March 31, 2016. This uncertainty arises from the estimation of a

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number of internal and external factors that have yet to occur or be reported, but

which will impact the ultimate settlement value of claims incurred prior to March 31,

2016. Due to the level of uncertainty with regard to the impact of these factors on

the ultimate number and settlement value of actual losses there can be no

guarantee that actual losses will not vary, perhaps significantly, from the estimates

as shown in this report. However, we have employed actuarial methods and

assumptions that are appropriate given the information as provided.

An additional source of variation is introduced in the development of loss and LAE

reserve estimates on a present value basis. This variation arises from the fact that

actual loss and LAE payments may occur more rapidly or more slowly than

contemplated in the assumed payment pattern. Thus, the calculated investment

income would differ from the actual investment income earned in proportion to the

variation in actual payments from expected payments.

The loss and LAE reserves as contained in this report include explicit consideration

of estimated prospective period inflation and investment returns. Specifically, the

loss reserve estimates include consideration of the anticipated investment income

earned on funds collected prior to the actual payment of claims. The estimated

investment income is based on the assumption that sufficient assets will be

available for investment to cover the present value of the ultimate losses. To the

extent sufficient funds are not available the ultimate loss reserve estimates will

need to be increased to account for the reduction in anticipated investment

income.

Estimates of outstanding loss reserves as shown in the text and the accompanying

exhibits (e.g. Exhibit I, Sheets 1a through 1c) are before consideration of

anticipated reinsurance recoveries under specific and aggregate excess coverage

purchased by NICA. An estimate of the NICA net retained loss reserve after

consideration of the calculated specific and aggregate excess coverage recoveries

is shown in Exhibit I, Sheet 4a. The estimated specific and aggregate excess

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coverage recoveries shown in Exhibit I, Sheet 4b include consideration of actual

commutation or negotiated amounts received to date and also an estimate of

amounts recoverable under the commutation clause of current NICA reinsurance

treaties. The estimated recoveries shown on Exhibit I, Sheet 4b for the more recent

years (i.e. specific and aggregate excess coverage for birth years 2002 and 2003

as well as the $3.0 million excess of $20.0 million layer for the aggregate excess

treaty covering 1999 to 2001 birth years) are based on the application of the same

methods as utilized in prior reports.

The estimated amounts recoverable under the specific and aggregate excess

coverage treaties purchased by NICA for these more recent years are based on a

review of the procedures used in prior arbitration proceedings (treaty years 1992

and 1993) and a review of the contract language for each treaty year. The

reinsurance recoveries shown for the prior treaties (AUL/RMS and Munich Re) are

based on the results of negotiation and arbitration proceedings with these two

reinsurers. Specifically the amount shown in Exhibit I, Sheet 4b for birth years

1994 to 1998 is based on the amounts received in January 2013 related to the

agreed upon settlement amounts set forth in a December 2012 commutation

agreement arising out of arbitration proceedings between NICA and American

United Life Insurance Company / Reinsurance Management Services, Inc.

(AUL/RMS). The reinsurance recovery to date as shown in columns (4) and (10)

related to birth years 1999 to 2001 is based on the allocation of the amount

received in January 2013 as a result of the NICA and Munich Re commutation

agreement. The estimated remaining reinsurance recoverable shown in columns

(7) and (13) of this report relate to the reinsurance treaties provided by General

Reinsurance Corporation (Gen Re). The estimated remaining reinsurance

recoverable is based on the interpretation of the treaty language using the actuarial

procedures as set forth in the documentation related to the 1992 and 1993 treaty

year arbitration agreements.

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Based on indications in correspondence as provided by Gen Re, their

interpretation of the methods used in the calculation of remaining specific and

aggregate excess recoveries vary from the procedures as utilized in the 1992 and

1993 treaty year commutations and the methods that are utilized in the calculations

as set forth in Exhibit I, Sheet 4b for the birth years covered by the Gen Re treaties

(i.e. specific and aggregate excess related to birth years 2002 to 2003 and

aggregate excess only related to birth years 1999 to 2001). While we believe the

commutation estimates as shown in Exhibit I, Sheet 4b are reasonable, the final

amounts collected may vary, perhaps significantly, from the estimates shown in

Exhibit I, Sheet 4b and no provision is included in our estimate for this possibility.

Due to the magnitude of the estimated reinsurance recoverable and the difference

in estimated amounts recoverable, the difference in the final amounts recovered

and the estimated reinsurance recoveries shown may significantly increase the net

retained loss and LAE reserves as shown in Column (11) of Exhibit I, Sheet 4a.

The attached exhibits summarizing the assumptions and calculations underlying

the estimates as set forth in this report are to be considered an integral part of the

report. Thus an accurate understanding of the conclusions as set forth in the report

is conditional upon an examination of both the text and the attached exhibits.

Further, any distribution of this report should be provided in its entirety and with the

understanding that we are available to answer questions with regard to the

methods and assumptions underlying the conclusions herein.

Executive Summary Total loss and allocated loss adjustment expense (ALAE) case reserves (loss and

ALAE - prior to inflation and discount) decreased by $7.1 million during the quarter

ending March 31, 2016. Claims first reported during the quarter resulted in an

increase in case loss and ALAE reserves of $10.4 million. Thus in the aggregate,

case reserves established on claims reported prior to January 1, 2016 decreased

by $17.5 million relative to the case loss and ALAE reserves established as of

December 31, 2015 (($7.1 M) minus $10.4 M = ($17.5 M)).

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Overall, our analysis indicates an actuarial central estimate of the required

reserves for outstanding loss and LAE (i.e. ALAE and ULAE) prior to consideration

of calculated reinsurance recoveries as of March 31, 2016 of $817.4 million

(Exhibit I, Sheet 1a, Column (7)). The comparable estimate of loss and LAE

reserves after consideration of calculated reinsurance recoveries is $773.7 million

(Exhibit I, Sheet 4a, Column (11)). The comparable loss and ALAE reserve

estimates, excluding the consideration of ULAE reserves, are $806.1 million and

$762.5 million, respectively.

Loss and LAE reserve estimates referenced above include the separate estimation of

loss and ALAE and ULAE reserves. A separate estimate of the ULAE reserve as of

March 31, 2016 is developed on Exhibit I, Sheets 5a and 5b. The present value

ULAE reserve estimate as of March 31, 2016 is $11.25 million. The ULAE reserve

estimate is comprised of two elements. The first ($10.78 million) relates to the loss

adjustment expense not allocated to a specific claim file that is associated with actual

settlement of claims incurred prior to March 31, 2016. The second component ($0.48

million) is related to anticipated expenses associated with the collection of

reinsurance recoveries.

The loss and LAE reserves are shown in the attached Exhibit I, Sheet 1a are

stated on a present value basis. Since current case reserves established by NICA

in the case reserve worksheets are recorded on a current (2016) cost level basis,

both case reserves and the bulk / incurred but not reported (IBNR) reserves as

shown in Exhibit I, Sheets 1a and 1c (excluding the retrospective portion of the

class action settlement) have been adjusted to include the estimated impact of

inflation between the current (2016) evaluation date and the time at which actual

payments are expected to be made by NICA. In addition, the payment stream after

adjustment for inflation has been discounted to reflect an estimate of the

investment income expected to be earned by NICA on assets representing the

reserve funds, between the evaluation date of this report and the time period

payments are expected to be made.

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The final present value loss and LAE reserve estimates related to all expected

NICA benefits prior to consideration of anticipated specific and aggregate excess

reinsurance recoveries are shown in Exhibit I, Sheet 1a. These estimates are

based on our selected estimates with regard to the prospective period inflation

rates, investment income, the tail factor applicable to incurred loss development

subsequent to 327 months and the payment pattern related to outstanding loss

and LAE reserves for each birth year. The present value loss and LAE reserve

estimate of $817.4 million is shown in Column (7) of Exhibit I, Sheet 1a. The

reserve estimates as shown in Exhibit I, Sheet 1a include consideration of

expected payments related to all NICA benefits. The estimated loss and LAE

reserve estimates prior to consideration of the retrospective portion of the class

action settlement agreement as described previously are shown in Column (7) of

Exhibit I, Sheet 1c. The estimated amounts expected to be paid related the

retrospective portion of the class action settlement are shown in Exhibit I, Sheet

1b.

Alternative estimates of the direct (before reinsurance recoveries) basis loss and

ALAE reserve based on variation in the inflation, interest rate and tail factor are

shown in Exhibit I, Sheets 2b to 2f in order to illustrate the impact on the loss and

ALAE reserve of changes in some of the underlying key assumptions. Exhibit I,

Sheet 3 illustrates the estimated cash flow by year related to the estimated

outstanding loss and ALAE reserve established as of March 31, 2016.

Actuarial Standards of Practice provide that a discounted property/casualty loss

and LAE reserve is an inadequate estimate of economic value unless appropriate

risk margins are included. As part of our determination of actuarially sound and

appropriate reserve levels for NICA, we have determined an appropriate risk

margin.

We recommend that NICA set the risk margin at a level no lower than $72.5

million. This produces a confidence level of approximately 80% that the reserves

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held by NICA as of December 31, 2015 will equal reserve levels required at that

date based on actual incurred losses emerging over the life of these claims. The

contingency reserve indication is provided on an annual basis and is not updated

quarterly.

Methodology A change in procedure was included in our reports beginning with the September

2012 report. The change resulted in a segregation of the retrospective portion of

the September 2012 class action paid and incurred amounts from other paid and

incurred amounts. The retrospective portion of the class action is shown separately

(Exhibit I, Sheet 1b) due to the short-term nature of these payments. As shown on

Exhibit I, Sheet 1b, the majority of the payments related to retrospective portion of

the class action have been made as of March 31, 2016.

The loss and LAE reserve amounts related to other than the retrospective portion

of the class action are shown on Exhibit I, Sheet 1c. Specifically, the loss and LAE

reserve amounts as set forth in Exhibit I, Sheet 1c and all following exhibits also

described in the following text are based on information that excludes the

retrospective portion of the class action settlement agreement shown in Exhibit I,

Sheet 1b. The final reserve amounts shown in Exhibit I, Sheet 1a include both the

retrospective portion shown in Exhibit I, Sheet 1b and the prospective portion of

expenses that are included in the estimates shown in Exhibit I, Sheet 1c and the

following exhibits.

As mentioned previously, the loss and LAE reserve estimates as shown in this

report are adjusted to include the impact of prospective period inflation and

anticipated investment income. The procedure used to estimate the loss and LAE

reserves for all estimated NICA benefits, with the exception of those related to the

retrospective portion of the class action settlement agreement, includes a three

step process. This three step process is intended to explicitly recognize the impact

of inflation and anticipated investment income. The first step is to adjust actual

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NICA historical paid and incurred loss development information to eliminate the

historical impact of inflation on the paid and incurred loss development information.

The actual historical incremental loss payments and case outstanding loss

reserves are shown in Exhibit IX, Sheets 2a, 2b and 2c. The historical loss

payments and case reserve amounts are adjusted to eliminate the estimated

impact of inflation. The paid and case outstanding loss information after adjustment

to eliminate the impact of inflation is shown in Exhibit IX, Sheets 1a, 1b and 1c.

The paid and case reserve amounts shown on Exhibit IX, Sheets 1a, 1b and 1c are

adjusted to birth year cost levels. The birth year level paid and case outstanding

amounts are used to develop the adjusted paid and incurred loss development

triangles as shown in Exhibit VIII, Sheets 2a, 2b and 2c, and Exhibit VII, Sheets 2a,

2b and 2c, respectively.

The “second step” in the three step process is to adjust the birth year cost level

estimates of outstanding loss and ALAE (see Exhibit IV, Sheet 1, Column (7)) to

current (2016) cost levels. The adjustment of birth year level estimates of

outstanding loss and ALAE related to all NICA benefits (except for the estimated

retrospective portion of the September 2012 class action settlement) to 2016 cost

level is shown in Exhibit III.

The final or “third” step in the three step loss reserve estimation process is to

adjust the 2016 cost level loss reserve estimates referenced above to include the

estimated impact of prospective inflation (2016 and subsequent) and anticipated

investment income (discount). The prospective period inflation rate is based on a

review of historical and recent inflation rates as measured by the Consumer Price

Index (both the all items and medical services indices) over the time period from

1960 to 2015. The prospective period investment returns are selected based on

the review of geometric averages for investment returns for a model portfolio

invested per NICA’s current investment policy and for a conservative model

portfolio over the period from 1926 to present as well as actual NICA investment

returns over the period from 1991 to present. While the actual prospective period

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inflation rates and investment returns are subject to a significant degree of

uncertainty the difference or increment between inflation and investment returns is

of primary importance.

Based on a review of actual inflation and investment returns we selected an

increment of one and one – half percent (1.50 %) and a prospective period inflation

(combination of all items and medical services) rate of three and one-half (3.50%)

percent. The indicated investment return percentage is then calculated to be five

percent. In order to illustrate the impact on the loss reserve estimates of changes

in the overall inflation and investment returns we also have included a range of

estimates based on increments (average investment return minus average inflation

rate) of one and two percent in addition to our selected estimate of one and one –

half (1.50%) percent.

The loss and ALAE reserve estimates are developed based on the selected

prospective period inflation rate, investment return and the assumed loss payment

pattern for each birth year. The loss and ALAE payment patterns are developed

separately for each birth year and are based on the estimated payments as shown

in the NICA case reserve worksheets for the current open accepted claims. Due to

the small number of open claims and the variability in the life expectancy for each

claimant the payment patterns can vary by birth year. The estimated future period

claim payments as shown in the NICA case reserve worksheets are all expressed

at current (2016) cost levels. These prospective period claim payments are

adjusted to include consideration of mortality on the prospective period loss and

ALAE payment pattern. A summary of the estimated 2016 cost level payment

patterns for each birth year are shown in Appendix A, Exhibit I, Sheets 1a, 1b, 2a

and 2b. An example of the calculation of the 2016 cost level payment pattern for

the 1996 birth year is shown in Appendix A, Exhibit II, Sheets 1a, 1b, 2a, 2b, 3a

and 3b.

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The loss reserves are developed based on a combination of the inflation rate,

investment returns, estimated 2016 level loss and ALAE reserves by birth year and

the assumed 2016 level payment pattern applicable to each birth year. The loss

and ALAE reserves on a 2016 cost level basis, after prospective period inflation

but before anticipated investment income and after prospective period inflation and

anticipated investment income are shown in columns (6), (7) and (8) of Exhibit I,

Sheet 3, respectively.

Description of Loss Estimation Methods The birth year level paid and incurred loss development triangles (i.e. after

adjustment to eliminate the impact of inflation) are used to develop estimates of

ultimate losses for each birth year. The historical NICA inflation rates used to

restate actual NICA loss and ALAE payments and case outstanding amounts are

estimated separately for loss and ALAE payments and case outstanding amounts.

The estimated NICA inflation rates are shown in Exhibit IX, Sheets 5a, 5b and 5c

on both a paid and case outstanding basis. Additional information related to the

calculation of the historical NICA inflation rates is shown in Appendix B.

The estimated ultimate loss and ALAE by birth year related to all NICA benefits

except for the retrospective portion of the class action settlement are selected

based on the review of six loss estimation methods. The six methods used in the

development of estimated birth year level ultimate loss and ALAE include two

traditional loss development methods (i.e. paid and incurred loss projections), a

frequency / severity method, the Bornhuetter – Ferguson (BF) method, a Cape

Cod method, and an incremental payment method. The final indicated ultimate loss

and ALAE based on each method in addition to the final selected birth year level

estimates are shown in Exhibit IV, Sheet 2.

The projection methods (shown in Sheet 1 of Exhibits VII and VIII) are based on

the review of historical NICA paid and incurred loss development (after elimination

of the impact of inflation) for a given birth year. The loss and ALAE payment and

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reporting patterns experienced for the more mature birth years are used in order to

estimate expected future development applicable to the more immature birth years.

The frequency / severity method shown in Exhibit VI, Sheet 1 is based on the

estimation of the average claim size and the estimated ultimate number of

accepted claims excluding the deceased claim when reported to NICA for each

birth year. Specifically the average claim size for each birth year is calculated as a

weighted average of the average claim size shown for each individual birth year

and the average claim size developed based on all birth years combined. In the

more recent birth years, relatively greater weight is provided to the average claim

size developed for all years combined.

The Bornhuetter – Ferguson method summarized in Exhibit V is a combination of

the actual birth year level incurred loss and ALAE as of March 31, 2016 (shown in

column (5)) and estimated unreported loss and ALAE (shown in column (4)). The

unreported loss and ALAE is developed using the loss reporting pattern developed

based on the NICA incurred loss and ALAE development triangle shown in Exhibit

VII, Sheets 2a, 2b and 2c and the estimated initial expected loss and ALAE by birth

year based on the results of the frequency / severity method shown in Exhibit VI,

Sheet 1, column (14).

The Cape Cod method shown in Exhibit VI, Sheet 2 is based on the estimated

NICA exposure levels (i.e. insured physicians) by birth year, the estimated NICA

loss reporting pattern and the actual NICA birth year level incurred loss and ALAE.

An estimate of the 2016 level NICA pure premium is calculated by dividing the

2016 level incurred loss and ALAE for all birth years combined by the reported

NICA exposures (i.e. insured physicians multiplied by estimated percent reported).

The 2016 level NICA pure premium is adjusted to the historical birth year level cost

basis and then used to estimate the unreported loss and ALAE for each birth year

(column (10)). The indicated birth year level ultimate loss and ALAE is based on a

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combination of the unreported loss and ALAE shown in column (10) and the actual

reported loss and ALAE shown in column (3).

The final method included is described as an incremental payment method. The

estimated birth year level ultimate loss and ALAE developed using this method is

shown in Appendix E. The birth year level estimates of ultimate loss and ALAE as

shown in columns (6), (7) and (8) of Appendix E, Exhibit I, Sheet 1 are based on

alternative technology (utilization) increases of 1.00%, 2.00% and 3.00%,

respectively. The estimated birth year level ultimate loss and ALAE is a

combination of actual loss and ALAE payments as of March 31, 2016 adjusted to

each birth year cost level and an estimate of the remaining birth year level loss and

ALAE payments (i.e. outstanding loss and ALAE as of March 31, 2016). The

estimated remaining birth year level payments are developed based on a

combination of the remaining open accepted claimants by birth year and the

estimated average incremental loss and ALAE payment per claimant.

The estimated incremental loss and ALAE payment per claimant is based on a

review of the average NICA incremental loss and ALAE payments by development

period. The actual incremental loss and ALAE payments are adjusted to 2016 level

and used to estimate the average incremental payment per open accepted claim

by development period (See Appendix E, Exhibit IV, Sheets 2a and 2b). The

selected 2016 level average incremental loss and ALAE payments for

development periods 327 months and subsequent are based on the actual

averages for development periods prior to 327 months adjusted to include

consideration of estimated changes in utilization (alternatives of 1.00%, 2.00% and

3.00%). The final 2016 level average incremental loss and ALAE payment per

open claim is shown in Appendix E, Exhibit II, Sheet 1 (or Appendix E, Exhibit IV,

Sheets 1a and 1b).

The selected 2016 level incremental loss and ALAE payment per claimant for each

development interval is adjusted to the appropriate birth year level (as shown in

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Appendix E, Exhibit II, Sheet 3, Column (5)) and also to include differences in the

average claimant severity by birth year (as shown in Appendix E, Exhibit II, Sheet

2, Column (5)). The estimated remaining open accepted claims by birth year and

development period are based on a combination of the ultimate open accepted

claimants by birth year as of March 31, 2016 (see Appendix E, Exhibit II, Sheet 3,

Column (8)), reporting pattern (as shown in Exhibit X, Sheet 1c, Column (11)), and

assumed mortality rates (see Appendix E, Exhibit V, Sheets 1 and 2) developed

using the average remaining life expectancy per open accepted claim (see

Appendix E, Exhibit VII, Column (9)) for each birth year.

The estimated average remaining life expectancy per birth year is shown in

Appendix E, Exhibit VII, Column (9). The remaining open accepted claimants by

birth year and development period are shown in Item II of Appendix E, Exhibit III,

Sheets 2a, 2b, 2c and 2d. The remaining birth year level incremental loss and

ALAE payments are developed as a product of the average 2016 level incremental

payments per claimant adjusted to each birth year cost / severity level and the

remaining open accepted claims. The resulting estimated remaining birth year level

incremental loss and ALAE payments are shown in Item II of Appendix E, Exhibit

III, Sheets 1a, 1b, 1c, 1d and 1e. A summary of the combination of the actual birth

year level payments as of March 31, 2016 and the estimated remaining payments

is shown in Appendix E, Exhibit I, Sheet 1.

The four assumptions that most significantly impact the overall loss and LAE

reserve estimate are as follows:

1. Incurred Loss Development Factor – 327 months to Ultimate

2. Prospective Period Average Inflation Rate

3. Prospective Period Average Investment Return

4. Loss and Loss Adjustment Expense Payment Pattern

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The loss and LAE (ALAE and ULAE) reserve estimates based on our selected

estimate for each of the first three assumptions are shown in Exhibit I, Sheet 1a. In

order to illustrate the impact of changes in these assumptions on the NICA loss

reserve estimate we have provided a summary of alternative loss reserve

estimates based on changes to each of these three assumptions. As mentioned

previously the actual inflation rates and investment returns are not as critical as the

difference in these two rates. A summary of the overall loss and ALAE (excluding

ULAE) reserve estimates based on several alternative assumption sets is shown

below. Our actuarial central estimate is shown in Exhibit I, Sheet 2a and also

shown in the first line of the following table.

Million ($)

Present ValueInflation Investment Tail Factor Outstanding

Rate Return 327:Ult. Loss and ALAE Reserve---------- ---------- ---------- -----------------------

3.50% 5.00% 1.119 $806.124

3.00% 5.00% 1.119 $729.383

4.00% 5.00% 1.119 $895.965

7.50% 9.00% 1.119 $815.326

3.50% 5.00% 1.219 $890.022

3.50% 5.00% 1.019 $722.498

As mentioned previously and illustrated above the final present value loss and

ALAE reserve estimated for the period ending March 31, 2016 is sensitive to each

of the four assumptions described previously. The most significant factors are the

relationship between the anticipated inflation and investment income rates, the

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magnitude of the incurred loss development tail factor and the payment pattern

applicable to each birth year. Due to the prospective nature of each of these

assumptions any estimate is subject to uncertainty. In addition the lack of

comparable insurance industry data for use as a benchmark in the selection of the

loss development factor and payment pattern coupled with the long term over

which payments are expected to be made creates levels of potential variation in

excess of that normally experienced for usual long tailed lines of business. The

remainder of this report summarizes the approach we have used in an effort to

develop an estimate for each of these key assumptions.

The loss and allocated loss adjustment expense (ALAE) reserve estimates as

developed in Exhibit II, Sheet 1 and subsequent do not include a provision for

unallocated loss adjustment expense (ULAE) reserves. ULAE reserves are

intended to cover anticipated loss adjustment expenses not covered in the loss

and ALAE reserve estimates.

A summary of the procedure used in the estimation of the ULAE reserve is shown

in Sheets 5a and 5b of Exhibit I. The total ULAE reserve as shown in item III of

Exhibit I, Sheet 5a is made up of two components. The calculation of the ULAE

reserve related to specific claims administration and settlement expenses for

claims incurred prior to March 31, 2016 is shown in Exhibit I, Sheet 5b. This

procedure is similar to that utilized in the calculation of NICA loss and ALAE

reserves in that current expense levels are projected forward to estimated

prospective period cost levels and then adjusted to a present value basis. The

present value calculation includes consideration of both anticipated investment

income and expected mortality over the time period. The second component of the

overall ULAE reserve is related to anticipated expenses related to the collection of

recoveries under reinsurance treaties covering birth years 1999 through 2003. The

current estimate of these expenses is based on a current estimated average

annual expense of $475,000 and an estimated duration for the recovery process of

one year (Exhibit I, Sheet 5a, Item II). The total ULAE reserve as shown in Item III

18

of Exhibit I, Sheet 5a of $11.25 million is the combination of the portion related to

claim settlement ($10.78 million) and portion related to the collection of outstanding

reinsurance recoveries on claims incurred during birth years 1999 through 2003

($0.48 million).

The prospective period inflation rate of three (3%) percent is selected to project

anticipated ULAE expense payment as opposed to the three and one-half (3.5%)

percent inflation rate selected to inflate loss and ALAE reserve. The somewhat

lower inflation rate is based on the greater concentration of general and

administrative expense expected for prospective period ULAE payments.

The mortality adjustment is developed based on current estimates of remaining life

expectancy as included in the current NICA reserve worksheets. The final mortality

adjustment is a blended average of average mortality assumptions for each birth

year.

Historical NICA Inflation In order to measure NICA’s historical inflationary increases in claims costs, we

began by segregating NICA’s claim costs into major claim cost groups. The

following expense groups were identified:

Family Residential or Custodial Care

Nursing Care by Others

Legal Costs

Parental Awards

Medical Expenses

Other

Each of these major expense groups were then examined separately for

inflationary impacts. For example, relative to nursing care, we tracked the hourly

cost of nursing care as paid by NICA since the program began in 1989.

19

An increase in the hourly rate for most parents providing care occurred in June

2008. The increase in the hourly rate for most parents effective in June, 2008 (from

$9.70 per hour to $15.00 per hour) resulted in cost under the expense category

Nursing Care By Parents as shown on Appendix B, Exhibit I, Sheet 1. Some of the

major expense groups’ inflation rates were estimated using CPI indices.

In addition, the daily rates used to estimate the future cost of custodial residential

care were revised in December 2004, 2006, and 2012. The reserves for custodial

residential care apply in the later years when the parents of NICA claimant have

reached an age where they are no longer able to provide the level of care required.

This change in the daily rate effectively results in the recognition of inflation that

has taken place over a number of years related to the cost of custodial residential

care. Since currently there are only two claims with current custodial residential

care payments, this increase primarily affects case reserves. The estimated

increase in the cost of custodial care recorded in 2004, 2006 and 2012 is 40%,

40%, and 95%, respectively.

We tabulated the total payments and case outstanding reserves by fiscal year for

each of the major expense group. By far the largest expense category is nursing

care with approximately forty-five percent of the total payments and eighty percent

of the outstanding case reserves based on information provided for the period

ending March 31, 2016. The historical inflation rate for each birth year is estimated

by weighting the historical inflation rates by expense groups with that expense

group’s percentage of total payments (or case reserves) by year. Overall, the

historical “true” inflation rate for NICA has been minimal. On a paid basis inflation

has averaged approximately one percent over the time period from inception

(1989) to current (2016) with the only major increase occurring during 2008 and

2009. This inflation rate does not include increases related to increased utilization

of certain types of nursing and custodial care or increases in longevity relative to

the initial estimates. These increases are reflected in the loss development

20

triangles and are assumed to continue although at a decreasing rate as indicated

by the declining loss development factors in the later development periods.

Prospective NICA Inflation Future inflation is estimated as a differential to various consumer price indices

depending on the type of expense. The largest category, nursing expense is

assumed to increase at approximately one to two percent above the CPI – all

indices annual increase. The overall average annual NICA inflation rate is

estimated to be 1.00 to 2.00 percent above the CPI – All items index. We are

assuming a 2.00 % increase in CPI – All items currently which gives a current

estimate of inflation of 3.50 %.

Discount Rate Because of the long term nature of the liabilities of NICA it is reasonable to base

discount rates to be used in the determination of NICA’s reserve liabilities on a

conservative estimate of investment returns likely to be realized on NICA’s assets

over a long term horizon. In determining assumptions for inflation and discount

rates, we begin with the consumer price index for all items and determine

anticipated inflation and discount rates based on long term relationships to the

consumer price index.

The discount rate assumption is selected based on reasonable expectations for a

prudent, conservative investment strategy. Appendix B, Exhibit II, Sheets 1 and 2

show the change in the CPI all items index as compared to returns for various

classes of investments from 1926-2015. Specifically, we have examined returns for

both large and small company stocks, long and intermediate government bonds,

and treasury bills. These indices are taken from Ibbotson’s 2009 SBBI Classic

Yearbook and updated based on recent Federal Reserve data and U.S. Bureau of

Labor Reports. We then calculated estimates of the overall return based on two

“model” portfolios. One model portfolio is based on an asset allocation of 44%

stocks and 56% fixed income. This model portfolio is labeled Model Portfolio (as

21

shown in Column (12) of Appendix B, Exhibit II, Sheets 1 and 2). The second

model portfolio is based on an asset allocation of 35% stocks, 60% bonds and 5%

short term. This model portfolio is labeled Conservative Model Portfolio (as shown

in Column (13) of Appendix B, Exhibit II, Sheets 1 and 2).

We also calculated the geometric average return, the arithmetic average return,

and the standard deviation for each class of investment and the model portfolios.

Returns were then calculated for the periods 1926-1929, 1930-1939, 1940-1949,

1950-1959, 1960-1969, 1970-1979, 1980-1989, 1990-1999, 2000-2009 and 2010-

2015.

Overall, the results of the two model portfolios over ten year periods average from

0 % to 10 % above the CPI - All items index. Actual results for NICA were also

calculated for the period 1991-2015. NICA’s actual results have been adversely

affected by the dramatic decline in the stock market in 2008. Overall NICA’s actual

returns over the period from 1991 to 2015 have averaged approximately 3.4%

above the CPI – All items index.

Based on this analysis, we recommend that the discount rate used in the

discounting of NICA’s reserve liabilities ranges from 2 % to 4 % above the CPI - All

items index. In our current reserve calculations we have assumed a 3.0 % spread

to the CPI - All items index. Based on a current selected CPI – All items inflation

rate of two percent this produces a discount rate of 5.0 %. The 5.0 % appears to

be reasonable based on NICA’s actual average investment returns for the last

twenty years and based on the long term average as indicated for the

Conservative model portfolio.

It should be noted that in valuing NICA’s reserve liabilities, the spread between

inflation and interest rates is the key variable rather than the nominal values of

each. Here we have assumed a 1.50 % spread between the medical inflation rate

and the investment rate. So at current levels of inflation and interest, this produces

22

an assumption of 3.50 % for inflation and 5.00 % for interest income. If it turns out

to be 5.00 % inflation and 6.50 % interest income, this has a minimal impact on the

overall reserve levels. It is the spread between these two key factors that is the

critical variable.

Payment Pattern The selection of the appropriate payment pattern is required to adjust current

(2016) level loss reserves for both the estimated impact of future inflation and the

consideration of anticipated investment income. The selected payment pattern has

a significant impact on the final present value loss and loss adjustment expense

reserve. Due to the long term nature of the NICA liabilities changes in the

estimated payment pattern will likely evolve over time as additional NICA payment

experience emerges.

The current selected loss and ALAE payment pattern varies by birth year and is

based on a combination of the of the actual loss and ALAE payments made to date

and the estimated future loss and ALAE payments as shown in the NICA case

reserve worksheets. The estimated future loss and ALAE payments shown in the

NICA case reserve worksheets are stated on current (2016) loss and expense

levels. The estimated future loss and ALAE payments shown in these worksheets

are adjusted to reflect the estimated impact of mortality. The survival probabilities

used in this adjustment are based on the life expectancy as established by the

NICA designated consulting physician. A slight change was made beginning

December 31, 2013 in the life expectancies used in the development of the case

reserve worksheets. The change is related to the claimants whose life expectancy

remained the same based on the current review in comparison to the life

expectancy established in the prior review by NICA’s consulting physician. For

these claimants the estimated remaining life expectancy was adjusted to account

for the reduction in life expectancy that would be expected for one additional year

of survival.

23

An example of the procedure used to estimate the payment pattern is shown in

Appendix A for birth year 1996. As described above the payment pattern selected

for the 1996 birth year is based on a combination of loss and expense payments

made to date relative to the estimated ultimate loss and expense and the

estimated future loss and ALAE payment based on the individual case reserve

worksheets (adjusted for the probability of survival). A summary of the

development of the remaining estimated payout percentages for the case reserve

portion of the six open claims with reserve worksheets for the 1996 birth year is

shown in Appendix A. The reserve payment pattern is combined with the actual

payment pattern (1996 to 2016) to develop a full payment pattern for the 1996 birth

year.

This process is repeated for each birth year and the resulting payment patterns are

used for the birth years 2007 and prior. Alternatively the loss and ALAE payment

pattern used for birth years 2008 and subsequent is based on an average of the

individual loss and ALAE payment patterns developed for 2007 and prior. The

average payment pattern is used for the more recent birth years due to the relative

immaturity of the case reserve estimates of the more recent birth years. Incurred Projection Cumulative Development Factor Due to the lack of available incurred loss and expense development information

subsequent to 327 months of maturity (1989 birth year evaluated as of March 31,

2016) and the likelihood of continued incurred loss and expense development in

the development periods subsequent to 327 months, we developed an estimate of

the remaining future loss development (tail factor) excluding the impact of

anticipated inflation. The estimated incurred development factor as developed in

Appendix C is intended to capture the incurred loss development over the

remaining life of the NICA claims.

The approach selected to estimate the remaining incurred loss and loss expense

development is to fit an inverse power curve to the weighted average development

24

factors (after adjustment to remove the estimated impact of inflation) as shown in

Exhibit VII, Sheets 2a, 2b and 2c. Fitted tail factors for the period from 327 to 591

months are developed based on alternative fits to factors beginning with the 51:63,

63:75 and 75:87 month factors shown in Exhibit VII, Sheets 2a, 2b and 2c. Fitted

tail factors are developed based on the use of the alternative selections of the

values to include in the least squares fit to the inverse power curve that range from

the first eleven factors to the first five factors beginning with the 51:63, 63:75 and

75:87 factors. A summary of the indicated 327 to ultimate incurred loss and

expense tail factors based on the alternative inverse power curve fitted values as

well as the final selected incurred loss and expense development factor of 1.119 is

shown in Appendix C, Exhibit I.

An illustration of the development of fitted values and the calculation of the

indicated 327 months to ultimate tail factor is shown for one of the alternatives in

Appendix C, Exhibit II, Sheets 1 and 2. The development of the fitted values for

this one illustration is shown in Appendix C, Exhibit II, Sheet 1. The indicated tail

factor is based on the extrapolation of the fitted factors for an additional twenty-

three years (a rough estimate of the remaining life expectancy of NICA claimants

that have or will attain the age of twenty-seven). The extrapolated factors are

shown for this one illustration in Column (7) of Appendix C, Exhibit II, Sheet 2.

Risk Margin

Actuarial Standards of Practice1 provide that a discounted property/casualty loss

and loss adjustment expense reserve is an inadequate estimate of economic value

unless appropriate risk margins are included. As part of our determination of

actuarially sound and appropriate reserve levels for NICA, we have determined a

risk margin to include consideration of the process variation in the aggregate loss

and LAE reserve shown in this report.

1 ASOP 20 – Discounting of Property and Casualty Loss and Loss Adjustment Expense Reserves, Actuarial Standards Board, April, 1992, Section 5.5.

25

In order to determine an appropriate risk margin we constructed a simulation

model that simulates the ultimate payments of open claims. Twenty-seven years of

data were incorporated into the model (1989-2015). The data is based upon the

actual claim count and claim payments reported by year to NICA, as well as

estimated ultimate loss reserves and claim counts. The model is a frequency /

severity model where the number of unpaid claims is first modeled and then the

severity for each open claim is simulated. For years 1989 to 2010 the open claim

count per year is fixed since there is a five year reporting requirement for claims to

be made (prior to the 1995 birth year the claim reporting requirement was seven

years). For the five years from 2011 to 2015, the number of claims per year is

randomly generated based upon accepted claims reported to date and an estimate

of the unreported claims. Once the number of claims is determined the severity of

each individual open claim is then randomly simulated. The simulated severities

are tested to be consistent with the estimated outstanding losses divided by the

open claims. Losses for each year are simulated and summed across all 27 years

to determine the aggregate losses for all years.

We ran 10,000 iterations to develop a distribution of aggregate losses. In order to

determine the risk margin we calculate the mean loss and the losses at various

percentiles. The losses at the percentiles are then compared to the mean to

determine a risk margin factor. The risk margin factors are then multiplied by the

expected reserves calculated based on an assumed inflation rate of 3.50 % and an

interest rate of 5.00 % to determine the corresponding risk margin at each

percentile.

In our work for self insured entities, we have found that most prudent self-insured’s

use a risk margin determined at a confidence level varying from 75 – 90%. In the

past, NICA has used a contingency reserve developed at approximately the 75%

to 80% confidence level. Updating the calculation through December 31, 2015, a

gross risk margin of approximately $72.5 million is indicated at the 80% confidence

level. We recommend that NICA set the risk margin at a level no lower than $72.5

26

million. This produces a confidence level of approximately 80% that the reserves

held by NICA will be adequate to cover its future incurred loss and loss adjustment

expense levels for birth years 1989 – 2015. The following table shows the

indicated gross risk margins at various confidence levels as of December 31, 2015.

Confidence Level Indicated Gross Risk Margin------------------- -------------------

70.0% $ 43.97 Million75.0% $ 57.89 Million77.0% $ 63.57 Million78.0% $ 66.71 Million79.0% $ 69.72 Million80.0% $ 72.51 Million85.0% $ 90.79 Million90.0% $ 112.15 Million95.0% $ 142.58 Million

The above calculated risk margins include consideration of potential adverse

deviation from the discounted actuarial central reserve estimate due to process

variation in the overall claim amounts (i.e. frequency and severity). The above

margin does not include consideration of potential deviation due to parameter

variation, inflation and investment risk.

Reinsurance Recoveries NICA purchased reinsurance coverage excess of specific and aggregate

attachments related to claims incurred during birth years from 1992 to 2003. The

reinsurance coverage related to birth years 1992 and 1993 was commuted in 1998

and 2006, respectively. Recently reinsurance treaties provided by AUL/RMS, the

reinsurer for birth years 1994 to 1998, and Munich Re, the reinsurer providing the

specific excess coverage and aggregate excess coverage above $ 23.0 million for

birth years 1999 to 2001 were commuted. NICA received $ 10.0 million and $ 10.6

million in January 2013 from AUL/RMA and Munich Re, respectively for the

commutation of specific and aggregate excess coverage provided under the two

27

sets of reinsurance treaties. These agreed commutation amounts have been

allocated to each respective birth year based on the previously estimated recovery

amounts. The remaining outstanding reinsurance treaties were issued by Gen Re

and provide aggregate excess coverage only for birth years 1999 to 2001 ($3.0

million excess of $20.0 million) and provide specific and aggregate excess

coverage for claims incurred during birth years 2002 and 2003.

The estimates as provided in this and also prior reports with regard to the

commutation values for these remaining reinsurance treaties are based on the

commutation procedures as set forth in the arbitration agreement for birth year

1993. The commutation estimates as shown for the birth years covered by the Gen

Re treaties are based on the same actuarial procedures used in prior NICA reports

(BY’s 1992 and 1993 Method).

A summary of the actual reinsurance recoveries and the estimated reinsurance

recoverables related to both the specific and aggregate excess reinsurance

purchased by NICA is shown in Exhibit I, Sheet 4b. The estimated reinsurance

recoverable related to the birth years covered by Gen Re is based on the

methodology as shown in prior reports. This methodology is based on the

reinsurance contract language and the procedure that was approved during

arbitration proceedings between NICA and AUL/ RMS related to birth year 1993

adjusted for any changes in the reinsurance contract language subsequent to the

1993 reinsurance agreement.

The final amounts that will actually be recovered under the Gen Re reinsurance

treaties may vary from the estimates as shown in Exhibit I, Sheets 4a and 4b. To

the extent the final amounts collected vary from the amounts calculated and shown

in Exhibit I, Sheets 4a and 4b, the net retained loss and expense reserves

evaluated as of March 31, 2016 will require adjustment.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit ISheet 1a

Summary of Estimated Outstanding Loss & ExpenseBefore and After Consideration of Prospective Period Inflation and Anticipated Investment Income

Prior to Consideration of Reinsurance Recoveries / RecoverablesEvaluated As of March 31, 2016

Assumptions : (1) Prospective Inflation Rate (Est.) 3.50% (2) Prospective Investment Return (Est.) 5.00% (3) Incurred Loss Development Factor - 327 to Ult. 1.119

Loss & Expense - After InflationCurrent Level and Present Value Adjustment Selected

Before Inflation ------------------------------------------------------ Ultimate Loss and Present Value Adjust. Incurred But and Expense

--------------------------------------- Actual (b) Not Reported Present ValueCase (a) Total (a) Paid Loss Case (a) (IBNR) & Bulk Total (a) Basis

Birth Year Outstanding Outstanding and Expense Outstanding (7) - (5) Outstanding (4) + (7)---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

(1) (2) (3) (4) (5) (6) (7) (8)

1989 12,589,175 16,888,217 13,462,665 9,895,626 3,379,230 13,274,855 26,737,520 1990 5,532,879 7,841,574 5,683,688 4,539,340 1,894,122 6,433,462 12,117,150 1991 19,994,125 23,011,198 7,787,859 15,083,060 2,276,004 17,359,063 25,146,923 1992 37,943,597 44,851,236 13,032,733 28,810,500 5,244,957 34,055,457 47,088,190 1993 27,193,631 33,965,990 17,903,222 20,407,777 5,082,396 25,490,173 43,393,395 1994 14,421,718 17,908,990 6,756,833 10,108,987 2,444,424 12,553,411 19,310,245 1995 21,976,305 26,132,169 8,841,214 16,531,365 3,126,191 19,657,556 28,498,770 1996 20,466,289 24,066,187 8,371,464 15,637,756 2,750,588 18,388,344 26,759,808 1997 30,078,739 35,531,219 11,004,834 22,178,706 4,020,413 26,199,119 37,203,953 1998 57,442,464 66,693,770 17,426,899 42,360,555 6,822,313 49,182,868 66,609,767 1999 16,188,318 20,553,362 11,091,041 12,796,183 3,450,383 16,246,566 27,337,607 2000 14,015,406 17,128,134 5,310,728 10,384,496 2,305,752 12,690,248 18,000,976 2001 21,120,601 24,678,934 6,542,480 15,636,010 2,634,306 18,270,317 24,812,796 2002 60,468,805 73,395,818 13,348,007 44,721,672 9,560,593 54,282,265 67,630,272 2003 11,684,590 14,659,414 3,681,124 9,385,781 2,389,561 11,775,342 15,456,466 2004 20,503,608 26,388,152 4,259,727 15,358,090 4,407,778 19,765,868 24,025,595 2005 26,051,446 35,962,690 6,245,051 18,570,983 7,065,310 25,636,293 31,881,344 2006 45,329,710 59,998,549 7,030,599 32,844,937 10,628,727 43,473,664 50,504,262 2007 34,633,035 47,920,761 7,239,036 25,742,040 9,876,500 35,618,540 42,857,576 2008 52,379,047 70,116,784 3,715,155 36,430,310 12,336,827 48,767,137 52,482,292 2009 43,860,305 61,652,490 4,641,037 30,247,030 12,269,882 42,516,912 47,157,950 2010 25,281,884 36,558,408 2,287,441 17,300,322 7,716,494 25,016,816 27,304,258 2011 41,480,779 66,264,116 2,549,245 28,234,280 16,869,010 45,103,290 47,652,535 2012 29,542,379 55,714,461 1,730,638 19,991,559 17,710,853 37,702,411 39,433,049 2013 19,103,183 53,824,165 1,963,844 12,855,992 23,366,404 36,222,397 38,186,241 2014 21,145,147 78,891,829 973,227 14,168,517 38,693,742 52,862,259 53,835,487 2015 2,169,391 65,062,799 609 1,444,662 41,882,592 43,327,254 43,327,863

2016 (3 Mo) 2,640,000 21,633,210 - 1,739,226 12,512,684 14,251,910 14,251,910

Totals:Excl. ULAE 735,236,552 1,127,294,624 192,880,401 533,405,763 272,718,035 806,123,797 999,004,198 ULAE (c) N/A N/A N/A - 11,254,377 11,254,377 N/A

Incl. ULAE N/A N/A N/A 533,405,763 283,972,412 817,378,175 N/A

Notes: (a) Exhibit I, Sheet 1c plus Column (4) of Exhibit I, Sheet 1b. The estimates shown on Exhibit I, Sheet 1c are prior to inclusion of the reserve estimate for the retrospective portion of the class action settlement. Exhibit I, Sheet 1 b summarizes the estimated reserves related to the retrospective portion of the class action. (b) See Exhibit I, Sheet 1c, Column (4) plus Exhibit I, Sheet 1b, Column (3). (c) See Exhibit I, Sheet 5a. ULAE reserve estimates are developed based on an assumed expense inflation rate of three percent and investment return of five percent.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit ISheet 1b

Summary of Case Reserves Related to Retroactive Portion of Class Action Settlement Agreement

Evaluated As of March 31, 2016

CaseIncurred Amounts ReservesAmounts Paid as of Related to

Related to 3/31/16 RetroactiveRetroactive Related to Payments (a)

Payments (a) Retroactive @ 3/31/16Birth Year @ 3/31/16 Payments (a) (2) - (3)---------- ---------- ---------- ----------

(1) (2) (3) (4)

1989 261,214 261,214 - 1990 758,051 758,051 - 1991 792,094 792,094 - 1992 1,951,145 1,951,145 - 1993 910,230 910,230 - 1994 634,196 634,196 - 1995 910,904 910,904 - 1996 797,021 797,021 - 1997 1,624,160 1,624,160 - 1998 2,006,630 2,006,630 - 1999 873,581 873,581 - 2000 599,907 589,907 10,000 2001 115,547 115,547 - 2002 840,587 840,587 - 2003 - - - 2004 - - - 2005 - - - 2006 - - - 2007 - - - 2008 - - - 2009 - - - 2010 - - - 2011 - - - 2012 - - - 2013 - - - 2014 - - - 2015 - - -

2016 (3 Mo) - - -

Totals: 13,075,266 13,065,266 10,000

Note: (a) Current NICA case reserve worksheets include estimates of potential retrospective payments related to the recent Basey class action settlement. The reserve estimates for the retrospective portion of this class action are excluded from the NICA reserve estimates as developed in Exhibit I, Sheet 1c and subsequent. The total reserves as shown in Exhibit I, Sheet 1a include both the retrospective estimates shown above plus the estimates for all prospective amounts.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit ISheet 1c

Summary of Estimated Outstanding Loss & ExpenseBefore and After Consideration of Prospective Period Inflation and Anticipated Investment Income

Prior to Consideration of Reinsurance Recoveries / Recoverables - Prior to Inclusion of Retrospectve Portion of Class ActionEvaluated As of March 31, 2016


Excludes Case Reserves Related to Anticipated Retroactive Class Action Payments (a)

Loss & Expense - After InflationCurrent Level and Present Value Adjustment Selected Average

Before Inflation ------------------------------------------------------ Ultimate Loss Inflation and Present Value Adjust. Incurred But and Expense & Present

--------------------------------------- Actual (b) Case (c) Not Reported Present Value ValueCase (b) Total (b) Paid Loss Outstanding (IBNR) & Bulk Total (c) Basis Factor

Birth Year Outstanding Outstanding and Expense (2) X (9) (7) - (5) Outstanding (4) + (7) (7) / (3)---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

(1) (2) (3) (4) (5) (6) (7) (8) (9)

1989 12,589,175 16,888,217 13,201,451 9,895,626 3,379,230 13,274,855 26,476,307 0.78604 1990 5,532,879 7,841,574 4,925,637 4,539,340 1,894,122 6,433,462 11,359,099 0.82043 1991 19,994,125 23,011,198 6,995,766 15,083,060 2,276,004 17,359,063 24,354,829 0.75437 1992 37,943,597 44,851,236 11,081,588 28,810,500 5,244,957 34,055,457 45,137,044 0.75930 1993 27,193,631 33,965,990 16,992,992 20,407,777 5,082,396 25,490,173 42,483,166 0.75046 1994 14,421,718 17,908,990 6,122,638 10,108,987 2,444,424 12,553,411 18,676,049 0.70096 1995 21,976,305 26,132,169 7,930,309 16,531,365 3,126,191 19,657,556 27,587,865 0.75224 1996 20,466,289 24,066,187 7,574,443 15,637,756 2,750,588 18,388,344 25,962,787 0.76407 1997 30,078,739 35,531,219 9,380,673 22,178,706 4,020,413 26,199,119 35,579,792 0.73735 1998 57,442,464 66,693,770 15,420,270 42,360,555 6,822,313 49,182,868 64,603,137 0.73744 1999 16,188,318 20,553,362 10,217,460 12,796,183 3,450,383 16,246,566 26,464,026 0.79046 2000 14,005,406 17,118,134 4,720,821 10,374,496 2,305,752 12,680,248 17,401,069 0.74075 2001 21,120,601 24,678,934 6,426,933 15,636,010 2,634,306 18,270,317 24,697,250 0.74032 2002 60,468,805 73,395,818 12,507,420 44,721,672 9,560,593 54,282,265 66,789,685 0.73958 2003 11,684,590 14,659,414 3,681,124 9,385,781 2,389,561 11,775,342 15,456,466 0.80326 2004 20,503,608 26,388,152 4,259,727 15,358,090 4,407,778 19,765,868 24,025,595 0.74904 2005 26,051,446 35,962,690 6,245,051 18,570,983 7,065,310 25,636,293 31,881,344 0.71286 2006 45,329,710 59,998,549 7,030,599 32,844,937 10,628,727 43,473,664 50,504,262 0.72458 2007 34,633,035 47,920,761 7,239,036 25,742,040 9,876,500 35,618,540 42,857,576 0.74328 2008 52,379,047 70,116,784 3,715,155 36,430,310 12,336,827 48,767,137 52,482,292 0.69551 2009 43,860,305 61,652,490 4,641,037 30,247,030 12,269,882 42,516,912 47,157,950 0.68962 2010 25,281,884 36,558,408 2,287,441 17,300,322 7,716,494 25,016,816 27,304,258 0.68430 2011 41,480,779 66,264,116 2,549,245 28,234,280 16,869,010 45,103,290 47,652,535 0.68066 2012 29,542,379 55,714,461 1,730,638 19,991,559 17,710,853 37,702,411 39,433,049 0.67671 2013 19,103,183 53,824,165 1,963,844 12,855,992 23,366,404 36,222,397 38,186,241 0.67298 2014 21,145,147 78,891,829 973,227 14,168,517 38,693,742 52,862,259 53,835,487 0.67006 2015 2,169,391 65,062,799 609 1,444,662 41,882,592 43,327,254 43,327,863 0.66593

2016 (3 Mo) 2,640,000 21,633,210 - 1,739,226 12,512,684 14,251,910 14,251,910 0.65880

Totals:Excl. ULAE 735,226,552 1,127,284,624 179,815,135 533,395,763 272,718,035 806,113,797 985,928,932 0.71509 ULAE (d) N/A N/A N/A - 11,254,377 11,254,377 N/A N/A

Incl. ULAE N/A N/A N/A 533,395,763 283,972,412 817,368,175 N/A N/A

Notes: (a) Current NICA case reserve worksheets include estimates of potential retrospective payments related to the recent Basey class action. The estimated retrospective portion of this class action are excluded from the loss reserve development process. The estimated amounts are then added to the reserve estimates as shown above. A summary of the estimated retrospective payments is shown in Exhibit I, Sheet 1b. (b) See Exhibit III, Columns (8), (5) and (6) for case outstanding, total outstanding (case, bulk and IBNR) and paid, respectively. (c) Based on application of the inflation and discount factors to the estimated payment stream as shown in Exhibit II, Sheets 2a, 2b, 3a, 3b, 4a and 4b. (d) See Exhibit I, Sheet 5a. ULAE reserve estimates are developed based on an assumed expense inflation rate of three percent and investment return of five percent rather than the three and one-half percent inflation assumed for loss and ALAE.


Summary of Estimated Outstanding Loss & ExpenseBefore and After Consideration of Prospective Period Inflation and Anticipated Investment IncomeExcluding ULAE Expense ReservePrior to Consideration of Reinsurance Recoveries / RecoverablesEvaluated As of March 31, 2016


Outstanding Bulk / IBNRLoss & ALAE Case Outstanding Loss & ALAE

(Case + Bulk + IBNR) Loss & ALAE @ 3/31/16@ 3/31/16 @ 3/31/16 (2) - (3)

---------- ---------- ----------(2) (3) (4)

I. Excluding Case Reserves Related to Anticipated Retroactive Class Action Payments

A. 2016 Level Basis (a) 1,127,284,624 735,226,552 392,058,072

B. Prospective Period Cost Basis

1. Before Anticipated Investment Returns (b) 3,366,023,122 N/A N/A 2. After Anticipated Investment Returns (b) 806,113,797 533,395,763 272,718,035

II. Including Case Reserves Related to Anticipated Retroactive Class Action Payments (c)

A. 2016 Level Basis (d) 1,127,294,624 735,236,552 392,058,072


1. Before Anticipated Investment Returns 3,366,033,122 N/A N/A 2. After Anticipated Investment Returns (d) 806,123,797 533,405,763 272,718,035

Notes: (a) See Exhibit I, Sheet 1c. (b) See Exhibit I, Sheet 3, Columns (7) and (8). The allocation to case and bulk / IBNR is shown on Exhibit I, Sheet 1c, Columns (5) and (6). (c) Current NICA case reserve worksheets include estimates of potential retrospective payments related to the recent Basey class action. The estimated retrospective portion of this class action are excluded from the loss reserve development process. The estimated amounts are then added to the reserve estimates as shown above. A summary of the estimated retrospective payments is shown in Exhibit I, Sheet 1b. (d) See Exhibit I, Sheet 1a.






---------- ---------- ----------(2) (3) (4)


A. 2016 Level Basis (a) 1,127,284,624 735,226,552 392,058,072




A. 2016 Level Basis 1,127,294,624 735,236,552 392,058,072


1. Before Anticipated Investment Returns 2,803,692,185 N/A N/A 2. After Anticipated Investment Returns 729,382,959 484,623,481 244,759,478

Notes: (a) Calculations for alternative assumption sets are not shown. However the calculations are similar to Exhibit III, Sheet 2. (b) Calculations for alternative assumption sets are not shown. However they are similar to those shown in Exhibit I, Sheet 3. (c) Current NICA case reserve worksheets include estimates of potential retrospective payments related to the recent Basey class action. The estimated retrospective portion of this class action are excluded from the loss reserve development process. The estimated amounts are then added to the reserve estimates as shown above. A summary of the estimated retrospective payments is shown in Exhibit I, Sheet 1b.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit ISheet 2c





---------- ---------- ----------(2) (3) (4)


A. 2016 Level Basis (a) 1,127,284,624 735,226,552 392,058,072




A. 2016 Level Basis 1,127,294,624 735,236,552 392,058,072




Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit ISheet 2d





---------- ---------- ----------(2) (3) (4)


A. 2016 Level Basis (a) 1,127,284,624 735,226,552 392,058,072




A. 2016 Level Basis 1,127,294,624 735,236,552 392,058,072




Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit ISheet 2e





---------- ---------- ----------(2) (3) (4)


A. 2016 Level Basis (a) 1,247,823,563 735,226,552 512,597,010




A. 2016 Level Basis 1,247,833,563 735,236,552 512,597,010



Notes: (a) Calculations for alternative assumption sets are not shown. However the calculations are similar to Exhibit III, Sheet 2 (b) Calculations for alternative assumption sets are not shown. However they are similar to those shown in Exhibit I, Sheet 3. (c) Current NICA case reserve worksheets include estimates of potential retrospective payments related to the recent Basey class action. The estimated retrospective portion of this class action are excluded from the loss reserve development process. The estimated amounts are then added to the reserve estimates as shown above. A summary of the estimated retrospective payments is shown in Exhibit I, Sheet 1b.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit ISheet 2f





---------- ---------- ----------(2) (3) (4)


A. 2016 Level Basis (a) 1,006,995,046 735,226,552 271,768,493




A. 2016 Level Basis 1,007,005,046 735,236,552 271,768,493




Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit ISheet 3

Estimated Prospective Period Loss & ALAE Payments - By Birth YearEstimated Prospective Period Cost Level Basis - After Future Inflation & Anticipated Investment IncomeExcluding ULAE Expense ReserveBefore Consideration of Reinsurance RecoveriesExcluding Estimated Retroactive Class Action Payments

Assumptions : (1) Prospective Inflation Rate (Est.) 3.50% (2) Prospective Investment Return (Est.) 5.00%

Prospective Period Level Basis Prospective Period Level BasisEstimated Prospective Period Estimated Prospective Period

Loss & ALAE Loss & ALAE2016 Level --------------------------------------- 2016 Level ---------------------------------------Basis (a) After Inflation After (c) Basis (a) After Inflation After (c)Before Before (b) Inflation and Before Before (b) Inflation and

Calendar Year Invest. Income Invest. Income Invest. Income Calendar Year Invest. Income Invest. Income Invest. Income---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

(1) (2) (3) (4) (5) (6) (7) (8)

2016 23,391,829 23,695,551 23,265,951 2066 8,752,740 49,305,638 4,247,509 2017 22,417,424 23,402,440 22,017,830 2067 8,353,951 48,706,268 3,996,072 2018 25,750,805 27,823,170 24,930,482 2068 7,917,847 47,779,366 3,733,357 2019 25,527,453 28,547,207 24,361,184 2069 7,525,096 46,998,681 3,497,482 2020 26,647,999 30,843,318 25,067,243 2070 7,345,124 47,480,263 3,365,066 2021 24,517,451 29,370,554 22,733,606 2071 7,048,846 47,159,843 3,183,197 2022 28,029,966 34,753,596 25,619,263 2072 6,375,862 44,150,292 2,838,151 2023 24,463,113 31,392,743 22,039,759 2073 5,999,363 42,997,199 2,632,406 2024 24,510,599 32,554,558 21,767,076 2074 5,646,441 41,884,192 2,442,156 2025 26,702,329 36,706,872 23,374,717 2075 5,551,864 42,624,037 2,366,947 2026 24,566,212 34,952,382 21,197,589 2076 4,961,984 39,428,609 2,085,241 2027 24,796,300 36,514,538 21,090,467 2077 4,639,734 38,158,344 1,921,963 2028 24,478,137 37,307,629 20,522,428 2078 4,483,391 38,163,079 1,830,668 2029 26,837,884 42,335,814 22,179,395 2079 4,036,986 35,565,943 1,624,842 2030 25,723,766 41,998,574 20,954,969 2080 3,824,097 34,869,550 1,517,169 2031 24,223,506 40,933,354 19,450,937 2081 3,462,465 32,677,073 1,354,071 2032 24,026,890 42,022,147 19,017,443 2082 3,194,087 31,199,304 1,231,272 2033 24,006,918 43,456,771 18,730,184 2083 2,940,308 29,725,647 1,117,252 2034 23,891,943 44,762,347 18,374,187 2084 2,694,718 28,196,307 1,009,305 2035 25,513,238 49,472,893 19,340,750 2085 2,593,734 28,089,546 957,604 2036 25,537,247 51,252,630 19,082,394 2086 2,245,997 25,174,954 817,373 2037 23,448,807 48,708,323 17,271,520 2087 2,043,841 23,710,845 733,178 2038 23,078,429 49,616,832 16,755,876 2088 1,847,476 22,182,935 653,269 2039 22,793,766 50,719,997 16,312,781 2089 1,664,164 20,681,247 580,044 2040 23,085,942 53,168,093 16,285,856 2090 1,527,306 19,644,775 524,737 2041 21,653,269 51,613,976 15,056,967 2091 1,354,365 18,030,056 458,672 2042 21,143,863 52,163,715 14,492,704 2092 1,216,812 16,765,832 406,201 2043 21,901,770 55,924,710 14,797,738 2093 1,067,893 15,228,948 351,396 2044 19,877,702 52,532,862 13,238,335 2094 918,512 13,557,107 297,923 2045 20,439,731 55,908,831 13,418,174 2095 819,273 12,515,589 261,939 2046 18,589,178 52,626,654 12,028,998 2096 716,544 11,329,375 225,821 2047 18,067,103 52,938,845 11,524,149 2097 614,049 10,048,617 190,755 2048 17,459,755 52,949,814 10,977,654 2098 525,917 8,907,608 161,043 2049 16,831,942 52,832,462 10,431,738 2099 460,143 8,066,343 138,889 2050 17,977,409 58,402,854 10,982,484 2100 384,763 6,981,000 114,477 2051 15,822,826 53,202,418 9,528,150 2101 329,860 6,194,323 96,740 2052 15,219,832 52,966,044 9,034,111 2102 268,394 5,216,480 77,589 2053 14,805,673 53,328,109 8,662,730 2103 223,650 4,498,987 63,731 2054 14,322,034 53,391,618 8,260,045 2104 184,999 3,851,726 51,964 2055 14,652,259 56,534,471 8,329,776 2105 152,730 3,291,168 42,287 2056 13,289,055 53,069,276 7,446,872 2106 120,255 2,682,060 32,820 2057 13,571,299 56,093,280 7,496,391 2107 105,371 2,432,352 28,347 2058 12,323,941 52,720,483 6,710,139 2108 80,417 1,921,302 21,325 2059 11,884,189 52,618,647 6,378,264 2109 58,205 1,439,279 15,214 2060 11,832,069 54,221,457 6,259,573 2110 49,256 1,260,626 12,691 2061 10,925,566 51,819,687 5,697,430 2111 35,493 940,192 9,014 2062 10,479,612 51,444,197 5,386,806 2112 26,262 719,996 6,574 2063 10,077,873 51,203,587 5,106,296 2113 22,974 651,901 5,669 2064 10,090,289 53,061,006 5,039,550 2114 14,545 427,178 3,538 2065 9,646,077 52,500,439 4,748,866 2115 4,256 129,366 1,020

Subtotals: 1,000,852,268 2,302,381,776 752,777,830 Subtotals: 126,432,356 1,063,641,346 53,335,968

Totals - All Years 1,127,284,624 3,366,023,122 806,113,797

Notes: (a) See Exhibit II, Sheet 1, Columns (2) and (4). (b) Calculated based on estimated incremental payments shown in columns (2) and (6) and the estimated annual inflation rate shown in Assumption #1 above. Payments are assumed to be made at the midpoint of each year. (c) The inflated amounts before discount as shown in columns (3) and (7) are discounted to March 31, 2016 based on the assumed investment rate shown in Assumption # 2.


Summary of Estimates By Component - Outstanding Loss & Expense

Net of Estimated Reinsurance Recoveries / RecoverablesEvaluated As of March 31, 2016

Specific X/S Recovery Aggregate X/S Recovery Net of Reinsurance BasisPrior to Reinsurance Recoverables --------------------------------------- --------------------------------------- ---------------------------------------------------------

---------------------------------------------------------- Calculated Calculated OutstandingTotal O/S Recoverable on Recoverable on Loss and Indicated

Loss and Exp. Current Value Case O/S & Case O/S & Experience Expense UltimateAfter Inflation Actual (b) Ultimate Actual Case Case Refund Paid Loss After Inflation After Inflationand P.V. (a) Paid Loss Loss & ALAE Recovered (c) Development Recovered (e) Development Received & Expense and P.V. and P.V.

Birth Year Adjustment and Expense (2) + (3) @ 3/31/16 Combined (d) @ 3/31/16 Combined (f) to Date (g) (3)-(5)-(7)-(9) (2)-(6)-(8) (10) + (11)---------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- -------------

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

1989 13,274,855 13,462,665 26,737,520 13,462,665 13,274,855 26,737,520 1990 6,433,462 5,683,688 12,117,150 5,683,688 6,433,462 12,117,150 1991 17,359,063 7,787,859 25,146,923 7,787,859 17,359,063 25,146,923 1992 34,055,457 13,032,733 47,088,190 - - 477,375 - - 12,555,358 34,055,457 46,610,815 1993 25,490,173 17,903,222 43,393,395 11,408,065 - 10,000,000 - - (3,504,843) 25,490,173 21,985,330 1994 12,553,411 6,756,833 19,310,245 1,726,833 - - - 423,375 4,606,625 12,553,411 17,160,036 1995 19,657,556 8,841,214 28,498,770 2,497,577 - - - 375,000 5,968,637 19,657,556 25,626,193 1996 18,388,344 8,371,464 26,759,808 959,723 - - - 408,750 7,002,991 18,388,344 25,391,335 1997 26,199,119 11,004,834 37,203,953 2,132,728 - - - 423,750 8,448,355 26,199,119 34,647,474 1998 49,182,868 17,426,899 66,609,767 2,683,139 - - - - 14,743,760 49,182,868 63,926,628 1999 16,246,566 11,091,041 27,337,607 3,143,106 - 2,597,638 2,374,475 - 5,350,298 13,872,091 19,222,389 2000 12,690,248 5,310,728 18,000,976 2,150,848 - - - - 3,159,881 12,690,248 15,850,129 2001 18,270,317 6,542,480 24,812,796 2,708,409 - - - - 3,834,070 18,270,317 22,104,387 2002 54,282,265 13,348,007 67,630,272 - 22,782,610 - 13,000,000 - 13,348,007 18,499,655 31,847,662 2003 11,775,342 3,681,124 15,456,466 - 5,477,572 - - - 3,681,124 6,297,770 9,978,894 2004 19,765,868 4,259,727 24,025,595 4,259,727 19,765,868 24,025,595 2005 25,636,293 6,245,051 31,881,344 6,245,051 25,636,293 31,881,344 2006 43,473,664 7,030,599 50,504,262 7,030,599 43,473,664 50,504,262 2007 35,618,540 7,239,036 42,857,576 7,239,036 35,618,540 42,857,576 2008 48,767,137 3,715,155 52,482,292 3,715,155 48,767,137 52,482,292 2009 42,516,912 4,641,037 47,157,950 4,641,037 42,516,912 47,157,950 2010 25,016,816 2,287,441 27,304,258 2,287,441 25,016,816 27,304,258 2011 45,103,290 2,549,245 47,652,535 2,549,245 45,103,290 47,652,535 2012 37,702,411 1,730,638 39,433,049 1,730,638 37,702,411 39,433,049 2013 36,222,397 1,963,844 38,186,241 1,963,844 36,222,397 38,186,241 2014 52,862,259 973,227 53,835,487 973,227 52,862,259 53,835,487 2015 43,327,254 609 43,327,863 609 43,327,254 43,327,863

2016 (3 Mo) 14,251,910 - 14,251,910 - 14,251,910 14,251,910

Totals:Excl. ULAE 806,123,797 192,880,401 999,004,198 29,410,427 28,260,182 13,075,013 15,374,475 1,630,875 148,764,086 762,489,141 911,253,226 ULAE (h) N/A 11,254,377 N/A

Incl. ULAE N/A 773,743,518 N/A

Notes: (a) See Exhibit I, Sheet 1a, Column (7). (b) See Exhibit I, Sheet 1a, Column (4). (c) See Exhibit I, Sheet 4b, Column (4). (d) See Exhibit I, Sheet 4b, Column (7). (e) See Exhibit I, Sheet 4b, Column (10). (f) See Exhibit I, Sheet 4b, Column (13). (g) See Exhibit I, Sheet 4b, Column (14). (h) See Exhibit I, Sheet 5a.


Summary of Estimated Reinsurance Recoveries / Recoverables

Evaluated As of March 31, 2016Specific Excess Reinsurance (a) Aggregate Excess Reinsurance (a)

--------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------------------------Calculated Calculated

Recoverable on Recoverable onCalculated Case O/S & Calculated Case O/S &

Recoverable Case Recoverable Case ExperienceActual Calculated on Estimated Development Actual Calculated on Estimated Development Refund

Excess Recovered (b) Recoverable Case (c) Combined Excess Recovered (b) Recoverable Case (c) Combined ReceivedBirth Year Retention Layer @ 3/31/16 on Case O/S Development (5) + (6) Retention Layer @ 3/31/16 on Case O/S Development (11) + (12) to Date (d)---------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- -------------

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

1989 100% N/A 100% N/A1990 100% N/A 100% N/A1991 100% N/A 100% N/A1992 4,000,000 2,500,000 Commuted 21,530,000 10,000,000 477,375 Commuted1993 4,000,000 2,500,000 11,408,065 - - 21,530,000 10,000,000 10,000,000 - - 1994 4,000,000 2,500,000 1,726,833 - - - 21,530,000 10,000,000 - - - 423,375 1995 4,000,000 2,500,000 2,497,577 - - - 19,940,000 10,000,000 - - - 375,000 1996 4,000,000 2,500,000 959,723 - - - 19,940,000 10,000,000 - - - 408,750 1997 4,000,000 2,500,000 2,132,728 - - - 22,900,000 10,000,000 - - - 423,750 1998 4,250,000 2,500,000 2,683,139 - - - 23,500,000 10,000,000 - - - 1999 4,250,000 2,500,000 3,143,106 - - - 20,000,000 13,000,000 2,597,638 2,374,475 2,374,475 2000 4,250,000 2,500,000 2,150,848 - - - 20,000,000 13,000,000 - - - 2001 4,250,000 2,500,000 2,708,409 - - - 20,000,000 13,000,000 - - - 2002 4,250,000 2,500,000 15,861,710 6,920,900 22,782,610 20,000,000 13,000,000 - 13,000,000 - 13,000,000 2003 4,250,000 2,500,000 2,440,437 3,037,135 5,477,572 20,000,000 13,000,000 - - - - 2004 100% N/A2005 100% N/A2006 100% N/A2007 100% N/A2008 100% N/A2009 100% N/A2010 100% N/A2011 100% N/A2012 100% N/A2013 100% N/A2014 100% N/A2015 100% N/A

2016 (3 Mo) 100% N/A

Totals: 29,410,427 18,302,146 9,958,035 28,260,182 13,075,013 15,374,475 - 15,374,475 1,630,875

Notes: (a) The specific and aggregate excess recoveries and recoverables shown are based on final amounts received as a result of negotiations and arbitration proceedings for birth years 1992 to 2001 (AUL/RMS and Munich Re) and estimates of recoverables related to specific (2002 and 2003) and aggregate (1999 to 2003) excess coverage provided by General Reinsurance Corporation. The reinsurance treaties provided by AUL/RMS and Munich Re have been commuted. (b) The amounts recovered to date from the various reinsurers (AUL/RMS and Munich Re) are based on three separate reinsurance negotiation / arbitration proceedings. It is our understanding amounts received to date are $21,408,065 (birth year 1993), $10,000,000 (birth years 1994 to 1998), and $10,600,000 (birth years 1999 to 2001). These amounts have been allocated to each birth year based on the calculated recoverables developed as of September 30, 2012. (c) The remaining recoverable shown for birth year 1999 ($3.0 million) is related to an aggregate excess layer ($3.0 million excess of $20.0 million) provided by General Reinsurance Corporation. For birth years 2002 and 2003, an estimate of the indicated specific and aggregate excess recoverable related to estimated future case development is shown. The prodcedure used to calculate the recoverable for these years is similar to that used in the BY 1993 commutation arbitration with the inclusion estimated case development. The final commutation amount ultimately received may vary, perhaps significantly, from the amounts shown above for the 2002 and 2003 birth years. The estimated future case development factors used to include the estimated impact of loss development are based on the incurred development factors shown in Exhibit VII, Sheet 1 adjusted to apply to the case outstanding portion only. (d) Actual experience refund received to date.


Development of Unallocated Loss Adjustment Expense (ULAE) Reserve


I. ULAE Reserve Related to Settlement of Outstanding Claims (a) 10,779,377

II. ULAE Reserve Related to Collection of Reinsurance Recoveries 475,000 on Claims Incurred Prior to March 31, 2016 (b) $ 475,000 x 1

III. Total ULAE Reserve (I) + (II) 11,254,377

Notes: (a) See Exhibit I, Sheet 5b. (b) The estimated unallocated loss adjustment expense related to the expense associated with the collection of reinsurance recoveries on claims incurred during birth years 1994 to 2003 is based on current expense budgets as prepared by NICA and a current estimate of one year for the arbitration of collection process related to these claims. Specifically, the estimate is based on average annual expense of $ 475,000 over the next one year.


Development of Unallocated Loss Adjustment Expense (ULAE) ReservePortion Related to Claims SettlementEvaluated As of March 31, 2016

Assumptions:1. Estimated Calendar Year 2016 Level ULAE Payment (a): 536,9182. Prospective Inflation Rate - Expense (b): 3.00%3. Prospective Investment Return (b): 5.00%

Before Mortality After Mortality------------------------------ ------------------------------

Present PresentValue of Value of

Prospective Prospective Prospective Weighted Prospective ProspectiveLoss Level Present Level Level Average Level Level

2016 Level (Inflation) Value Expense Expense Probability Expense ExpenseYear Expense Factor Factor (2) x (3) (5) x (4) of Survival (5) x (7) (6) x (7)

----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- -----------(1) (2) (3) (4) (5) (6) (7) (8) (9)

1 536,918 1.015 0.976 544,912 531,780 0.9774 532,603 519,7672 536,918 1.045 0.929 561,260 521,651 0.9596 538,590 500,5813 536,918 1.077 0.885 578,097 511,715 0.9418 544,473 481,9514 536,918 1.109 0.843 595,440 501,968 0.9241 550,240 463,8625 536,918 1.142 0.803 613,304 492,406 0.9064 555,878 446,3016 536,918 1.177 0.765 631,703 483,027 0.8887 561,375 429,2527 536,918 1.212 0.728 650,654 473,827 0.8710 566,718 412,7028 536,918 1.248 0.694 670,173 464,801 0.8533 571,891 396,6379 536,918 1.286 0.661 690,279 455,948 0.8357 576,881 381,046

10 536,918 1.324 0.629 710,987 447,263 0.8181 581,672 365,91511 536,918 1.364 0.599 732,317 438,744 0.8005 586,249 351,23312 536,918 1.405 0.571 754,286 430,387 0.7830 590,599 336,98913 536,918 1.447 0.543 776,915 422,189 0.7655 594,708 323,17514 536,918 1.490 0.518 800,222 414,147 0.7480 598,565 309,78215 536,918 1.535 0.493 824,229 406,259 0.7306 602,157 296,80116 536,918 1.581 0.469 848,956 398,521 0.7132 605,473 284,22417 536,918 1.629 0.447 874,424 390,930 0.6959 608,499 272,04218 536,918 1.677 0.426 900,657 383,483 0.6786 611,218 260,24619 536,918 1.728 0.406 927,677 376,179 0.6615 613,614 248,82420 536,918 1.780 0.386 955,507 369,014 0.6443 615,666 237,76821 536,918 1.833 0.368 984,172 361,985 0.6273 617,355 227,06722 536,918 1.888 0.350 1,013,697 355,090 0.6103 618,661 216,71223 536,918 1.945 0.334 1,044,108 348,326 0.5934 619,563 206,69324 536,918 2.003 0.318 1,075,431 341,692 0.5765 620,035 197,00125 536,918 2.063 0.303 1,107,694 335,183 0.5598 620,055 187,62626 536,918 2.125 0.288 1,140,925 328,799 0.5431 619,596 178,55927 536,918 2.189 0.274 1,175,153 322,536 0.5264 618,633 169,79228 536,918 2.254 0.261 1,210,408 316,392 0.5099 617,141 161,31729 536,918 2.322 0.249 1,246,720 310,366 0.4934 615,095 153,12530 536,918 2.392 0.237 1,284,121 304,454 0.4770 612,471 145,21231 536,918 2.463 0.226 1,322,645 298,655 0.4606 609,244 137,56832 536,918 2.537 0.215 1,362,324 292,966 0.4444 605,389 130,18833 536,918 2.613 0.205 1,403,194 287,386 0.4282 600,880 123,06534 536,918 2.692 0.195 1,445,290 281,912 0.4122 595,694 116,19335 536,918 2.773 0.186 1,488,649 276,542 0.3962 589,805 109,56636 536,918 2.856 0.177 1,533,308 271,275 0.3803 583,192 103,17937 536,918 2.941 0.168 1,579,307 266,108 0.3646 575,834 97,02638 536,918 3.030 0.160 1,626,687 261,039 0.3490 567,713 91,10239 536,918 3.121 0.153 1,675,487 256,067 0.3335 558,812 85,40440 536,918 3.214 0.146 1,725,752 251,189 0.3182 549,115 79,92641 536,918 3.311 0.139 1,777,524 246,405 0.3030 538,613 74,66442 536,918 3.410 0.132 1,830,850 241,711 0.2880 527,298 69,61543 536,918 3.512 0.126 1,885,776 237,107 0.2732 515,169 64,77544 536,918 3.618 0.120 1,942,349 232,591 0.2586 502,231 60,14145 536,918 3.726 0.114 2,000,619 228,161 0.2442 488,495 55,71046 536,918 3.838 0.109 2,060,638 223,815 0.2300 473,980 51,48147 536,918 3.953 0.103 2,122,457 219,552 0.2161 458,715 47,45048 536,918 4.072 0.099 2,186,131 215,370 0.2025 442,733 43,61649 536,918 4.194 0.094 2,251,715 211,267 0.1892 426,080 39,97750 536,918 4.320 0.089 2,319,266 207,243 0.1763 408,805 36,530

Totals: 26,845,900 61,464,395 17,245,421 28,403,472 10,779,377

Notes: (a) Estimated current level (2016) unallocated expense based on expense allocation of expected on-going claims expense. (b) Investment and inflation rates consistent with selection used in loss and ALAE reserve estimates. Inflation rate slightly less than applied to loss and ALAE due to difference in expected inflation related to loss adjustment expenses.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IISheet 1

Estimated Prospective Period Loss & ALAE Payments - By Birth YearEstimated 2016 Level Basis - Before Future Inflation & Anticipated Investment Income

Before Consideration of Reinsurance Recoveries

Reserve @ 3/31/16 1,127,284,624

Estimated EstimatedProspective Period Prospective Period

Payments PaymentsCalendar Year 2016 Level Basis (a) Calendar Year 2016 Level Basis (a)

---------- ---------- ---------- ----------(1) (2) (3) (4)

2016 23,391,829 2066 8,752,740 2017 22,417,424 2067 8,353,951 2018 25,750,805 2068 7,917,847 2019 25,527,453 2069 7,525,096 2020 26,647,999 2070 7,345,124 2021 24,517,451 2071 7,048,846 2022 28,029,966 2072 6,375,862 2023 24,463,113 2073 5,999,363 2024 24,510,599 2074 5,646,441 2025 26,702,329 2075 5,551,864 2026 24,566,212 2076 4,961,984 2027 24,796,300 2077 4,639,734 2028 24,478,137 2078 4,483,391 2029 26,837,884 2079 4,036,986 2030 25,723,766 2080 3,824,097 2031 24,223,506 2081 3,462,465 2032 24,026,890 2082 3,194,087 2033 24,006,918 2083 2,940,308 2034 23,891,943 2084 2,694,718 2035 25,513,238 2085 2,593,734 2036 25,537,247 2086 2,245,997 2037 23,448,807 2087 2,043,841 2038 23,078,429 2088 1,847,476 2039 22,793,766 2089 1,664,164 2040 23,085,942 2090 1,527,306 2041 21,653,269 2091 1,354,365 2042 21,143,863 2092 1,216,812 2043 21,901,770 2093 1,067,893 2044 19,877,702 2094 918,512 2045 20,439,731 2095 819,273 2046 18,589,178 2096 716,544 2047 18,067,103 2097 614,049 2048 17,459,755 2098 525,917 2049 16,831,942 2099 460,143 2050 17,977,409 2100 384,763 2051 15,822,826 2101 329,860 2052 15,219,832 2102 268,394 2053 14,805,673 2103 223,650 2054 14,322,034 2104 184,999 2055 14,652,259 2105 152,730 2056 13,289,055 2106 120,255 2057 13,571,299 2107 105,371 2058 12,323,941 2108 80,417 2059 11,884,189 2109 58,205 2060 11,832,069 2110 49,256 2061 10,925,566 2111 35,493 2062 10,479,612 2112 26,262 2063 10,077,873 2113 22,974 2064 10,090,289 2114 14,545 2065 9,646,077 2115 4,256

Subtotals: 1,000,852,268 Subtotals: 126,432,356

Totals - All Years 1,127,284,624

Note: (a) See Column (10) of Exhibit II, Sheets 2a and 2b.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IISheet 2a


Before Consideration of Reinsurance RecoveriesEvaluated As of March 31, 2016

BY BY BY BY BY BY BY BY TotalsCalendar Year 2009 2010 2011 2012 2013 2014 2015 2016 All BY'S (c)

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Reserve @ 3/31/16 (a) 61,652,490 36,558,408 66,264,116 55,714,461 53,824,165 78,891,829 65,062,799 21,633,210 1,127,284,624

Estimated Prospective Period Loss & Expense Payments - 2016 Level Basis - (b)

2016 601,591 411,116 1,032,439 715,658 754,002 1,241,953 731,054 73,573 23,391,829 2017 840,793 468,765 974,427 1,136,654 905,047 1,443,615 1,343,273 321,791 22,417,424 2018 804,652 491,365 833,300 804,590 1,078,091 1,299,604 1,171,040 443,455 25,750,805 2019 965,128 470,244 873,474 688,061 763,135 1,548,088 1,054,220 386,596 25,527,453 2020 1,171,214 564,027 835,929 721,233 652,610 1,095,826 1,255,787 348,030 26,647,999 2021 1,057,834 684,465 1,002,642 690,231 684,073 937,117 888,918 414,573 24,517,451 2022 1,128,303 618,205 1,216,739 827,887 654,669 982,296 760,176 293,459 28,029,966 2023 1,110,126 659,387 1,098,952 1,004,668 785,232 940,073 796,825 250,957 24,463,113 2024 1,321,344 648,764 1,172,160 907,411 952,905 1,127,556 762,574 263,056 24,510,599 2025 1,164,888 772,202 1,153,276 967,859 860,659 1,368,326 914,658 251,749 26,702,329 2026 1,145,436 680,768 1,372,705 952,266 917,992 1,235,865 1,109,967 301,956 24,566,212 2027 1,224,278 669,400 1,210,167 1,133,450 903,203 1,318,194 1,002,516 366,434 24,796,300 2028 1,216,225 715,476 1,189,959 999,242 1,075,051 1,296,957 1,069,300 330,961 24,478,137 2029 1,219,782 710,769 1,271,865 982,556 947,758 1,543,723 1,052,073 353,008 26,837,884 2030 1,287,891 712,848 1,263,499 1,050,186 931,932 1,360,936 1,252,246 347,321 25,723,766 2031 1,457,988 752,652 1,267,195 1,043,278 996,078 1,338,210 1,103,972 413,404 24,223,506 2032 1,475,248 852,058 1,337,952 1,046,330 989,526 1,430,321 1,085,537 364,454 24,026,890 2033 1,481,581 862,144 1,514,660 1,104,754 992,420 1,420,913 1,160,256 358,368 24,006,918 2034 1,422,447 865,845 1,532,591 1,250,663 1,047,834 1,425,068 1,152,624 383,035 23,891,943 2035 1,426,037 831,287 1,539,170 1,265,468 1,186,226 1,504,641 1,155,995 380,516 25,513,238 2036 1,518,836 833,385 1,477,737 1,270,901 1,200,268 1,703,364 1,220,543 381,629 25,537,247 2037 1,465,303 887,617 1,481,467 1,220,176 1,205,421 1,723,528 1,381,745 402,938 23,448,807 2038 1,435,698 856,332 1,577,874 1,223,256 1,157,309 1,730,928 1,398,102 456,156 23,078,429 2039 1,376,196 839,031 1,522,259 1,302,859 1,160,230 1,661,841 1,404,104 461,555 22,793,766 2040 1,333,188 804,257 1,491,504 1,256,938 1,235,732 1,666,036 1,348,062 463,537 23,085,942 2041 1,283,617 779,123 1,429,689 1,231,543 1,192,177 1,774,453 1,351,465 445,036 21,653,269 2042 1,259,479 750,154 1,385,009 1,180,502 1,168,090 1,711,910 1,439,411 446,159 21,143,863 2043 1,199,671 736,047 1,333,511 1,143,609 1,119,679 1,677,323 1,388,677 475,193 21,901,770 2044 1,161,975 701,095 1,308,435 1,101,087 1,084,687 1,607,806 1,360,620 458,444 19,877,702 2045 1,126,158 679,065 1,246,302 1,080,382 1,044,356 1,557,560 1,304,230 449,182 20,439,731 2046 1,091,272 658,134 1,207,141 1,029,078 1,024,718 1,499,646 1,263,471 430,565 18,589,178 2047 1,066,936 637,746 1,169,932 996,743 976,057 1,471,446 1,216,492 417,110 18,067,103 2048 1,057,154 623,524 1,133,690 966,019 945,388 1,401,573 1,193,616 401,601 17,459,755 2049 1,009,494 617,807 1,108,408 936,094 916,247 1,357,533 1,136,936 394,049 16,831,942 2050 972,215 589,955 1,098,246 915,218 887,864 1,315,688 1,101,211 375,337 17,977,409 2051 937,506 568,169 1,048,733 906,827 868,064 1,274,931 1,067,267 363,543 15,822,826 2052 922,030 547,884 1,010,006 865,945 860,105 1,246,499 1,034,206 352,337 15,219,832 2053 888,724 538,840 973,947 833,967 821,329 1,235,071 1,011,142 341,423 14,805,673 2054 853,122 519,376 957,869 804,193 790,999 1,179,390 1,001,872 333,808 14,322,034 2055 829,605 498,570 923,269 790,918 762,759 1,135,837 956,704 330,748 14,652,259 2056 795,891 484,827 886,283 762,348 750,167 1,095,286 921,375 315,837 13,289,055 2057 776,867 465,124 861,852 731,809 723,070 1,077,205 888,480 304,174 13,571,299 2058 752,347 454,006 826,827 711,636 694,104 1,038,294 873,813 293,314 12,323,941 2059 723,604 439,676 807,064 682,716 674,971 996,701 842,249 288,472 11,884,189 2060 701,668 422,879 781,591 666,397 647,540 969,226 808,509 278,052 11,832,069 2061 670,320 410,059 751,731 645,364 632,062 929,837 786,222 266,913 10,925,566 2062 659,858 391,739 728,942 620,708 612,113 907,612 754,271 259,556 10,479,612 2063 625,833 385,625 696,376 601,891 588,728 878,965 736,242 249,007 10,077,873 2064 596,304 365,741 685,507 575,001 570,880 845,385 713,004 243,056 10,090,289 2065 572,695 348,484 650,159 566,027 545,376 819,757 685,765 235,384 9,646,077

Subtotals 2016 to 2065: 53,186,353 31,276,058 56,254,461 46,912,595 44,938,931 65,349,917 53,412,818 17,560,809 1,000,852,268

Notes: (a) See Exhibit III, Column (5). (b) Prospective period payments are based on the estimated outstanding loss & expense reserve shown above and the assumed

loss payment patterns shown in Appendix A. (c) Sum of columns (2) to (11) of Exhibit II Sheets 3a and 4a and columns (2) to (9) above.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IISheet 2b



BY BY BY BY BY BY BY BY TotalsCalendar Year 2009 2010 2011 2012 2013 2014 2015 2016 All BY'S (c)

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Reserve @ 3/31/16 (a) 61,652,490 36,558,408 66,264,116 55,714,461 53,824,165 78,891,829 65,062,799 21,633,210 1,127,284,624


2066 548,057 334,686 619,483 536,840 536,863 783,134 664,975 226,392 8,752,740 2067 531,964 320,288 594,956 511,510 509,180 770,911 635,267 219,528 8,353,951 2068 509,299 310,883 569,360 491,258 485,156 731,159 625,352 209,721 7,917,847 2069 483,143 297,638 552,642 470,124 465,947 696,661 593,106 206,447 7,525,096 2070 462,032 282,352 529,096 456,319 445,902 669,078 565,122 195,802 7,345,124 2071 433,959 270,015 501,923 436,877 432,809 640,294 542,747 186,564 7,048,846 2072 420,229 253,609 479,992 414,440 414,368 621,493 519,397 179,177 6,375,862 2073 397,282 245,584 450,827 396,332 393,087 595,013 504,146 171,469 5,999,363 2074 374,044 232,174 436,563 372,251 375,912 564,455 482,666 166,434 5,646,441 2075 357,125 218,594 412,725 360,473 353,071 539,791 457,878 159,343 5,551,864 2076 335,644 208,706 388,583 340,789 341,900 506,994 437,871 151,159 4,961,984 2077 319,034 196,152 371,007 320,855 323,231 490,952 411,266 144,554 4,639,734 2078 297,700 186,445 348,690 306,342 304,324 464,144 398,254 135,771 4,483,391 2079 278,770 173,978 331,435 287,915 290,559 436,995 376,507 131,476 4,036,986 2080 264,121 162,915 309,272 273,667 273,081 417,229 354,484 124,296 3,824,097 2081 242,318 154,354 289,606 255,367 259,567 392,132 338,450 117,026 3,462,465 2082 230,901 141,612 274,388 239,129 242,210 372,726 318,092 111,733 3,194,087 2083 211,787 134,940 251,737 226,563 226,809 347,802 302,350 105,012 2,940,308 2084 194,967 123,770 239,876 207,861 214,890 325,686 282,132 99,815 2,694,718 2085 179,977 113,940 220,019 198,067 197,151 308,572 264,192 93,140 2,593,734 2086 166,515 105,179 202,545 181,671 187,862 283,100 250,309 87,218 2,245,997 2087 153,354 97,312 186,972 167,243 172,311 269,761 229,646 82,635 2,043,841 2088 137,300 89,621 172,987 154,384 158,626 247,430 218,826 75,813 1,847,476 2089 124,844 80,239 159,314 142,836 146,430 227,779 200,712 72,241 1,664,164 2090 113,668 72,959 142,637 131,547 135,477 210,266 184,771 66,261 1,527,306 2091 101,083 66,428 129,696 117,776 124,769 194,539 170,565 60,999 1,354,365 2092 90,199 59,074 118,086 107,091 111,708 179,163 157,807 56,309 1,216,812 2093 80,501 52,713 105,012 97,504 101,573 160,408 145,334 52,097 1,067,893 2094 70,079 47,046 93,705 86,709 92,481 145,855 130,120 47,979 918,512 2095 60,731 40,955 83,631 77,373 82,242 132,798 118,315 42,957 819,273 2096 52,818 35,491 72,803 69,054 73,386 118,095 107,724 39,059 716,544 2097 45,432 30,867 63,091 60,114 65,496 105,379 95,797 35,563 614,049 2098 38,313 26,551 54,872 52,095 57,017 94,050 85,482 31,625 525,917 2099 31,791 22,390 47,198 45,308 49,411 81,874 76,292 28,220 460,143 2100 27,757 18,579 39,802 38,972 42,973 70,952 66,415 25,186 384,763 2101 22,073 16,221 33,027 32,865 36,964 61,708 57,555 21,925 329,860 2102 17,801 12,900 28,836 27,270 31,171 53,078 50,056 19,001 268,394 2103 14,121 10,403 22,931 23,810 25,865 44,761 43,056 16,525 223,650 2104 11,128 8,252 18,493 18,934 22,583 37,141 36,309 14,214 184,999 2105 8,762 6,503 14,670 15,270 17,959 32,428 30,129 11,987 152,730 2106 6,624 5,121 11,561 12,113 14,483 25,788 26,305 9,946 120,255 2107 5,285 3,871 9,103 9,546 11,489 20,797 20,919 8,684 105,371 2108 13,603 3,089 6,882 7,516 9,054 16,498 16,870 6,906 80,417 2109 - 7,950 5,491 5,682 7,129 13,001 13,383 5,569 58,205 2110 - - 14,132 4,534 5,390 10,237 10,546 4,418 49,256 2111 - - - 11,669 4,300 7,739 8,304 3,482 35,493 2112 - - - - 11,067 6,175 6,278 2,741 26,262 2113 - - - - - 15,892 5,009 2,073 22,974 2114 - - - - - - 12,892 1,654 14,545 2115 - - - - - - - 4,256 4,256

Subtotals 2066 to 2115: 8,466,137 5,282,350 10,009,655 8,801,866 8,885,233 13,541,911 11,649,981 4,072,401 126,432,356

Totals 2016 to 2115: 61,652,490 36,558,408 66,264,116 55,714,461 53,824,165 78,891,829 65,062,799 21,633,210 1,127,284,624


loss payment patterns shown in Appendix A. (c) Sum of columns (2) to (11) of Exhibit II Sheets 3b and 4b and columns (2) to (9) above.




BY BY BY BY BY BY BY BY BY BYCalendar Year 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Reserve @ 3/31/16 (a) 20,553,362 17,118,134 24,678,934 73,395,818 14,659,414 26,388,152 35,962,690 59,998,549 47,920,761 70,116,784


2016 570,000 355,390 637,585 1,831,872 499,310 856,929 816,857 1,613,176 1,477,597 726,738 2017 634,497 353,849 541,782 1,343,541 368,458 603,699 541,056 890,594 1,279,114 927,334 2018 724,719 596,652 588,447 1,879,461 560,110 750,901 1,005,110 1,476,433 1,478,564 1,112,276 2019 705,160 560,069 570,758 1,837,739 535,486 726,664 929,863 1,438,317 1,421,775 1,349,783 2020 679,831 551,773 627,710 1,980,922 587,419 817,253 952,394 1,577,650 1,574,048 1,219,117 2021 788,775 499,919 596,976 1,744,318 500,094 694,189 827,636 1,434,548 1,331,681 1,300,330 2022 909,370 664,721 732,797 2,346,438 584,915 835,476 941,317 1,694,522 1,603,984 1,279,381 2023 728,421 516,518 635,953 1,887,124 457,895 652,872 726,095 1,365,012 1,233,535 1,522,803 2024 705,486 488,309 625,795 1,964,050 442,980 639,778 694,721 1,340,345 1,194,581 1,342,493 2025 709,629 503,728 697,321 2,166,060 642,622 749,008 761,265 1,560,815 1,376,172 1,320,075 2026 683,091 431,302 594,106 1,854,521 540,063 700,412 616,999 1,322,381 1,103,852 1,410,937 2027 660,887 459,303 584,131 1,829,688 520,196 685,639 878,875 1,296,802 1,086,603 1,401,656 2028 632,324 430,960 635,314 1,758,763 494,575 662,584 835,623 1,429,432 1,040,715 1,405,756 2029 692,382 477,952 714,909 2,130,547 552,937 779,966 927,988 1,610,007 1,320,722 1,484,250 2030 586,981 397,442 667,207 1,990,208 507,286 715,421 833,079 1,496,462 1,174,587 1,680,281 2031 560,622 358,307 588,830 1,786,367 436,396 618,110 743,108 1,322,961 988,914 1,700,171 2032 537,884 336,625 573,654 1,726,977 415,917 600,472 800,191 1,288,471 951,840 1,707,471 2033 518,360 316,963 561,890 1,688,455 398,355 586,914 780,180 1,345,383 919,796 1,639,320 2034 494,144 296,784 543,779 1,632,708 376,496 566,132 748,579 1,305,208 1,028,270 1,643,458 2035 496,526 305,532 621,365 1,794,766 407,131 650,376 802,565 1,430,306 1,151,055 1,750,406 2036 516,864 304,351 583,519 1,757,192 398,068 646,748 805,365 1,416,027 1,153,147 1,688,711 2037 432,757 245,129 520,227 1,495,662 321,280 516,832 680,918 1,201,513 918,526 1,654,592 2038 413,395 229,882 505,669 1,451,161 303,946 500,991 660,521 1,167,776 884,197 1,586,018 2039 396,505 336,143 494,086 1,423,252 288,895 488,671 646,693 1,138,291 853,844 1,536,452 2040 376,286 330,424 525,904 1,479,829 298,839 534,419 662,671 1,201,747 918,581 1,479,323 2041 358,512 307,036 462,933 1,321,158 255,133 455,216 604,616 1,069,192 787,661 1,451,506 2042 342,867 294,225 451,604 1,285,845 241,397 443,487 592,740 1,040,616 760,096 1,382,579 2043 367,995 304,147 469,512 1,407,279 263,064 513,820 648,005 1,144,617 878,111 1,339,135 2044 308,156 269,693 421,572 1,196,439 211,126 411,970 555,165 974,627 745,599 1,297,858 2045 308,521 274,820 466,286 1,304,577 226,196 475,698 602,679 1,065,417 829,824 1,257,653 2046 276,952 248,058 394,721 1,116,091 184,388 384,479 525,044 913,861 690,225 1,229,607 2047 262,029 238,106 381,506 1,082,693 171,772 371,101 510,685 884,161 663,885 1,218,333 2048 248,662 228,854 370,615 1,043,470 160,627 360,422 501,259 857,499 640,324 1,163,407 2049 233,493 219,757 355,480 999,564 148,006 345,024 483,146 826,062 613,729 1,120,444 2050 248,666 227,913 405,124 1,163,381 174,013 446,240 561,816 973,713 771,293 1,080,443 2051 207,578 203,387 331,959 934,278 126,934 322,014 461,101 771,869 568,397 1,062,607 2052 193,907 195,658 317,415 887,640 115,937 307,457 444,196 742,005 544,317 1,024,223 2053 181,574 188,429 304,985 851,337 106,181 295,310 473,125 778,845 522,615 983,194 2054 170,391 181,637 294,474 819,976 97,487 285,332 463,989 752,833 503,043 956,091 2055 166,510 184,890 321,002 914,894 100,378 323,683 490,682 805,180 555,597 917,236 2056 147,166 168,815 268,552 781,929 79,698 259,908 434,551 696,112 461,421 895,312 2057 154,408 166,900 274,454 835,260 84,337 299,947 473,817 740,324 527,676 867,054 2058 126,381 157,206 245,025 713,080 64,383 237,171 409,390 642,690 423,630 833,929 2059 116,637 151,770 233,498 682,424 57,427 226,070 396,923 616,520 405,573 808,648 2060 107,747 150,512 250,161 699,773 56,554 246,956 409,996 637,220 434,722 772,521 2061 98,444 141,518 210,942 614,422 44,903 204,412 372,139 565,342 371,073 760,463 2062 89,990 136,650 199,924 582,858 39,333 193,866 359,788 540,353 354,605 721,251 2063 82,268 131,932 190,283 556,928 34,431 184,831 350,351 516,841 339,582 687,220 2064 83,305 128,322 187,921 574,280 34,528 206,979 371,507 535,608 384,327 660,011 2065 70,859 129,227 193,567 545,559 28,872 195,361 353,335 518,112 356,708 631,616

Subtotals 2016 to 2065: 20,107,916 15,377,487 22,973,228 67,696,763 14,546,773 24,577,209 31,469,711 53,973,798 43,599,732 60,991,473


loss payment patterns shown in Appendix A.





---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Reserve @ 3/31/16 (a) 20,553,362 17,118,134 24,678,934 73,395,818 14,659,414 26,388,152 35,962,690 59,998,549 47,920,761 70,116,784


2066 60,620 118,309 158,790 466,271 21,614 154,865 313,033 445,543 294,300 613,070 2067 54,063 113,888 147,774 437,419 18,054 144,292 298,101 421,964 279,290 586,950 2068 48,152 109,511 137,997 409,054 15,015 135,044 285,728 399,714 265,495 556,806 2069 42,811 105,164 129,305 384,936 12,420 126,926 275,589 378,598 252,784 532,476 2070 37,583 103,442 134,604 382,875 11,070 133,714 275,439 380,786 267,681 500,123 2071 36,544 96,635 114,874 361,947 9,382 128,579 273,604 359,563 269,209 484,299 2072 28,697 92,157 102,249 311,835 6,376 101,275 237,959 316,271 214,652 457,854 2073 24,674 87,793 93,209 287,914 4,927 92,687 223,602 296,183 202,081 431,073 2074 21,108 83,401 85,143 266,595 3,768 85,136 211,241 277,165 190,434 411,575 2075 18,996 83,042 90,244 271,151 3,253 93,702 218,700 284,408 208,964 386,818 2076 15,006 74,529 69,984 226,870 2,080 71,052 186,793 241,082 168,132 367,675 2077 12,446 70,059 62,911 208,456 1,495 64,525 174,736 224,036 157,473 343,089 2078 11,207 65,587 58,232 203,302 1,232 68,100 179,002 217,446 175,529 321,273 2079 8,238 61,110 49,839 174,671 712 52,515 151,060 191,898 137,092 304,390 2080 6,555 58,117 49,837 167,925 520 53,317 146,767 186,437 143,056 279,263 2081 5,142 52,255 38,564 144,960 301 42,190 129,192 162,465 118,277 266,105 2082 3,930 47,908 33,134 130,381 183 37,186 117,112 148,522 108,835 244,077 2083 2,948 43,642 28,374 117,517 107 32,806 106,380 135,357 100,037 224,693 2084 2,164 39,479 24,194 105,915 60 28,947 96,779 122,922 91,813 207,417 2085 1,749 37,265 23,723 103,794 42 32,924 100,054 123,003 113,824 191,902 2086 1,058 31,563 16,579 83,422 16 21,778 76,606 99,837 75,559 176,735 2087 706 27,857 13,567 74,019 7 18,857 68,152 89,354 68,277 158,234 2088 449 24,350 10,765 64,439 3 16,060 59,185 79,455 60,952 143,878 2089 274 21,062 8,444 55,987 1 13,645 51,314 70,235 54,187 130,998 2090 159 18,475 7,437 50,481 0 12,823 46,437 64,310 54,022 116,495 2091 86 15,216 4,873 41,086 0 9,610 37,391 53,712 41,793 103,951 2092 46 12,684 3,586 35,036 0 8,519 33,095 46,639 43,261 92,775 2093 20 10,421 2,560 28,970 0 6,536 26,191 39,711 31,104 80,764 2094 9 8,431 1,753 23,599 0 5,278 21,256 33,630 26,260 69,990 2095 3 7,052 1,362 20,080 0 4,915 18,470 30,406 25,945 60,871 2096 1 5,242 754 15,187 0 3,336 13,693 23,284 18,139 52,359 2097 0 4,021 460 11,725 - 2,587 10,617 18,984 14,666 44,154 2098 0 3,024 269 8,923 - 1,977 8,148 15,244 11,689 36,638 2099 - 7,954 151 6,706 - 1,520 6,325 12,039 10,974 31,989 2100 - - 165 4,998 - 1,182 4,734 9,704 7,907 25,438 2101 - - - 10,608 - 789 3,285 7,093 5,232 20,515 2102 - - - - - 557 2,344 5,278 3,827 16,274 2103 - - - - - 1,191 1,614 3,841 2,707 12,825 2104 - - - - - - 3,250 2,729 1,866 10,098 2105 - - - - - - - 5,903 1,485 7,634 2106 - - - - - - - - 2,222 6,091 2107 - - - - - - - - - 15,677 2108 - - - - - - - - - - 2109 - - - - - - - - - - 2110 - - - - - - - - - - 2111 - - - - - - - - - - 2112 - - - - - - - - - - 2113 - - - - - - - - - - 2114 - - - - - - - - - - 2115 - - - - - - - - - -

Subtotals 2066 to 2115: 445,447 1,740,647 1,705,706 5,699,055 112,641 1,810,943 4,492,978 6,024,751 4,321,029 9,125,311

Totals 2016 to 2115: 20,553,362 17,118,134 24,678,934 73,395,818 14,659,414 26,388,152 35,962,690 59,998,549 47,920,761 70,116,784

Notes: (a) See Exhibit III, Column (5). (b) Prospective period payments are based on the estimated outstanding loss & expense reserve shown above and the assume






---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Reserve @ 3/31/16 (a) 16,888,217 7,841,574 23,011,198 44,851,236 33,965,990 17,908,990 26,132,169 24,066,187 35,531,219 66,693,770


2016 783,684 272,684 593,482 1,234,597 1,310,997 497,464 722,315 538,603 785,292 1,705,871 2017 723,256 309,600 603,035 1,102,509 1,080,916 323,254 664,039 475,389 653,191 1,563,945 2018 724,013 364,461 698,781 1,248,226 1,178,827 365,865 750,994 846,861 806,255 1,667,752 2019 667,450 349,166 682,824 1,283,928 1,078,913 360,120 730,669 854,056 1,006,846 1,688,919 2020 652,138 369,342 754,310 1,438,076 1,177,471 394,424 759,200 934,428 1,066,508 1,889,330 2021 579,313 328,373 668,603 1,263,493 1,015,197 359,620 703,785 818,352 965,886 1,736,510 2022 727,051 359,398 803,598 1,471,804 1,132,929 444,083 928,361 909,348 1,138,075 2,040,663 2023 526,560 302,403 638,728 1,236,015 935,741 350,805 728,834 798,381 919,854 1,653,344 2024 498,742 293,724 626,407 1,183,628 889,629 350,458 716,734 761,166 950,488 1,645,315 2025 517,724 320,956 693,458 1,346,648 952,426 393,708 766,968 812,825 1,047,064 1,910,241 2026 451,062 269,071 595,988 1,149,781 802,677 341,502 681,862 689,364 904,795 1,705,490 2027 431,392 260,623 583,876 1,238,030 791,204 340,951 669,921 660,566 886,622 1,701,694 2028 411,855 247,719 568,904 1,178,101 756,690 335,103 651,391 630,393 863,299 1,615,466 2029 471,593 272,188 619,054 1,289,439 828,289 416,176 717,243 667,681 969,343 1,813,684 2030 409,474 251,138 611,269 1,252,274 774,202 364,278 661,554 628,882 898,114 1,616,768 2031 365,555 217,057 541,346 1,122,583 680,636 325,194 606,992 557,429 803,271 1,526,878 2032 352,506 207,204 527,927 1,068,507 659,828 321,803 592,529 536,430 783,846 1,455,384 2033 341,069 199,316 515,815 1,044,564 643,434 320,810 580,983 518,091 766,973 1,425,152 2034 328,932 188,046 501,348 1,028,553 623,178 314,881 564,101 498,404 745,829 1,383,003 2035 354,877 205,247 549,114 1,175,982 693,237 354,713 604,796 542,177 829,004 1,504,723 2036 364,658 196,511 500,003 1,090,577 673,419 387,971 603,337 509,254 811,988 1,522,873 2037 298,048 160,687 462,113 946,689 577,214 304,115 522,663 449,371 690,814 1,281,461 2038 288,578 151,938 449,199 919,502 563,597 300,413 509,130 434,712 672,988 1,249,163 2039 280,028 144,683 437,338 918,257 552,877 298,894 497,919 421,667 657,265 1,253,929 2040 295,461 148,462 462,092 958,741 591,723 321,509 511,797 441,248 700,514 1,247,118 2041 261,778 126,834 410,923 838,117 526,120 288,916 469,219 394,530 620,887 1,155,881 2042 253,828 119,949 399,175 813,344 516,539 287,082 458,059 382,959 605,621 1,131,137 2043 288,381 128,146 403,552 894,493 569,265 351,558 493,370 402,146 666,258 1,295,205 2044 236,632 103,559 373,361 756,859 491,858 313,018 430,117 358,584 570,620 1,066,739 2045 259,018 111,778 403,055 838,930 551,934 346,880 459,650 390,621 638,709 1,140,250 2046 220,484 89,173 348,793 702,837 469,962 302,948 404,359 336,226 537,980 1,008,966 2047 212,546 82,340 336,670 695,214 459,167 297,754 391,553 325,396 521,888 1,007,843 2048 205,193 76,462 325,287 650,856 450,229 294,360 380,285 315,357 507,273 956,751 2049 196,899 69,433 312,754 622,348 437,711 287,036 366,080 304,266 490,124 924,016 2050 242,708 80,234 336,819 723,177 524,264 339,545 412,527 341,934 585,447 1,082,418 2051 181,979 58,135 289,821 587,856 417,876 277,641 342,072 284,202 460,089 897,990 2052 173,909 52,089 277,749 543,013 405,396 270,087 328,202 273,521 443,518 840,581 2053 166,360 46,871 266,335 516,965 394,492 264,192 315,660 263,435 428,257 813,072 2054 159,287 42,345 255,492 492,404 385,000 259,820 304,258 253,859 414,150 789,537 2055 173,543 43,312 268,100 546,523 425,560 280,924 318,010 271,799 461,744 854,281 2056 144,030 32,983 232,999 440,345 361,112 245,741 278,349 233,448 383,248 731,321 2057 161,930 34,246 229,839 459,028 395,264 271,517 293,297 242,239 412,785 818,399 2058 129,449 25,239 211,614 390,825 338,160 232,778 253,746 213,597 353,887 677,421 2059 122,275 21,831 201,202 378,907 326,447 226,094 241,520 203,693 339,400 671,875 2060 129,195 21,148 202,826 377,498 346,438 237,589 243,440 208,718 363,697 659,497 2061 108,169 15,931 181,009 319,950 302,555 212,322 217,246 183,924 310,813 597,480 2062 101,243 13,418 171,237 297,530 290,407 205,250 205,225 174,068 296,719 571,100 2063 94,691 11,298 161,865 286,084 279,208 199,269 193,913 164,525 283,389 566,298 2064 104,469 11,005 155,851 278,002 298,503 216,708 198,197 167,102 298,413 600,373 2065 94,139 8,845 154,222 265,830 289,180 202,884 184,805 160,552 298,469 540,286

Subtotals 2016 to 2065: 16,267,152 7,816,600 21,599,164 42,907,442 31,217,898 15,600,027 24,631,273 22,785,780 32,617,509 61,203,392







---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

Reserve @ 3/31/16 (a) 16,888,217 7,841,574 23,011,198 44,851,236 33,965,990 17,908,990 26,132,169 24,066,187 35,531,219 66,693,770


2066 74,815 6,080 134,518 215,347 241,631 176,976 159,071 135,512 242,376 469,570 2067 68,252 4,755 125,770 203,407 228,077 168,375 147,436 125,885 228,621 457,975 2068 62,090 3,696 117,380 178,320 215,379 160,733 136,475 116,634 215,590 416,849 2069 56,304 2,853 109,310 161,622 203,401 153,896 126,089 107,727 203,182 393,996 2070 57,178 2,420 104,932 157,724 208,116 154,999 121,318 105,376 213,511 386,530 2071 54,231 1,896 94,833 144,509 198,228 157,680 113,922 97,265 195,994 410,466 2072 39,754 1,115 86,371 116,352 165,228 130,300 95,529 81,744 166,006 321,433 2073 34,666 764 79,208 103,132 152,165 121,742 85,834 73,511 153,829 296,628 2074 30,024 513 72,349 91,101 139,880 113,920 76,792 65,734 142,255 273,808 2075 30,528 405 68,957 92,439 146,170 116,391 73,650 64,017 154,113 286,915 2076 21,773 205 59,436 70,052 116,039 98,422 60,093 51,319 120,074 229,721 2077 18,197 121 53,399 60,993 104,596 90,793 52,493 44,744 109,528 208,594 2078 18,678 86 47,815 55,149 104,037 97,354 48,956 41,665 109,038 218,031 2079 12,187 35 42,209 47,091 82,971 75,920 38,912 32,980 89,648 175,873 2080 11,382 20 37,431 41,595 79,556 72,214 34,439 29,381 90,146 157,073 2081 7,702 8 32,272 33,598 63,646 62,070 27,649 23,217 71,666 132,366 2082 5,932 3 27,798 28,643 54,623 55,074 22,800 19,053 63,254 114,849 2083 4,506 1 23,672 24,910 46,488 48,661 18,571 15,422 55,477 103,738 2084 3,374 0 19,901 20,603 39,188 42,767 14,920 12,296 48,313 84,667 2085 3,736 0 16,969 19,184 39,391 46,287 13,365 10,985 52,216 88,264 2086 1,761 0 13,457 14,537 26,534 31,546 9,090 7,380 35,503 58,634 2087 1,243 0 10,795 12,261 21,446 26,765 6,907 5,558 30,029 50,573 2088 2,756 0 8,502 10,003 16,995 22,213 5,116 4,086 25,068 38,211 2089 - - 6,567 8,197 13,291 18,237 3,705 2,936 20,704 29,985 2090 - - 18,183 6,951 10,992 15,275 2,723 2,127 18,652 24,178 2091 - - - 26,073 7,757 11,711 1,793 1,400 13,586 18,473 2092 - - - - 22,267 11,027 1,272 974 11,506 14,688 2093 - - - - - 27,616 769 592 8,422 9,075 2094 - - - - - - 1,207 366 6,475 6,284 2095 - - - - - - - 520 5,613 5,037 2096 - - - - - - - - 13,317 2,800 2097 - - - - - - - - - 5,094 2098 - - - - - - - - - - 2099 - - - - - - - - - - 2100 - - - - - - - - - - 2101 - - - - - - - - - - 2102 - - - - - - - - - - 2103 - - - - - - - - - - 2104 - - - - - - - - - - 2105 - - - - - - - - - - 2106 - - - - - - - - - - 2107 - - - - - - - - - - 2108 - - - - - - - - - - 2109 - - - - - - - - - - 2110 - - - - - - - - - - 2111 - - - - - - - - - - 2112 - - - - - - - - - - 2113 - - - - - - - - - - 2114 - - - - - - - - - - 2115 - - - - - - - - - -

Subtotals 2066 to 2115: 621,065 24,974 1,412,034 1,943,794 2,748,092 2,308,963 1,500,896 1,280,407 2,913,710 5,490,378

Totals 2016 to 2115: 16,888,217 7,841,574 23,011,198 44,851,236 33,965,990 17,908,990 26,132,169 24,066,187 35,531,219 66,693,770

Notes: (a) See Exhibit III, Column (5). (b) Prospective period payments are based on the estimated outstanding loss & expense reserve shown above and the assume


Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit III

Estimated 2016 Level Loss & ALAE Reserve - Before Inflation and Anticipated Investment IncomeAdjustment of Birth Year Level Estimated Outstanding to 2016 Level Outstanding Loss & Expense


IndicatedBirth Year Outstanding 2016 Level 2016 Level 2016 Level 2016 LevelLevel (a) Basis (b) 2016 Level Outstanding Actual Paid (d) Ultimate Case O/S (e) IBNR / Bulk

Year of Outstanding Inflation - Cal. Adjustment Loss & ALAE Loss & ALAE Loss & ALAE Loss & ALAE OustandingBirth Loss & ALAE Year Factor (c) (2) x (4) @ 3/31/16 (5) + (6) @ 3/31/16 (5) - (8)

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9)

1989 12,142,470 0.81% 1.391 16,888,217 13,201,451 30,089,668 12,589,175 4,299,042 1990 5,683,595 0.74% 1.380 7,841,574 4,925,637 12,767,211 5,532,879 2,308,695 1991 16,801,873 0.52% 1.370 23,011,198 6,995,766 30,006,964 19,994,125 3,017,073 1992 32,917,873 0.46% 1.363 44,851,236 11,081,588 55,932,824 37,943,597 6,907,639 1993 25,043,008 0.41% 1.356 33,965,990 16,992,992 50,958,982 27,193,631 6,772,359 1994 13,258,320 0.38% 1.351 17,908,990 6,122,638 24,031,628 14,421,718 3,487,272 1995 19,419,708 0.35% 1.346 26,132,169 7,930,309 34,062,479 21,976,305 4,155,865 1996 17,947,167 0.34% 1.341 24,066,187 7,574,443 31,640,630 20,466,289 3,599,898 1997 26,586,083 0.25% 1.336 35,531,219 9,380,673 44,911,892 30,078,739 5,452,480 1998 50,025,897 0.28% 1.333 66,693,770 15,420,270 82,114,039 57,442,464 9,251,306 1999 15,459,871 0.36% 1.329 20,553,362 10,217,460 30,770,822 16,188,318 4,365,044 2000 12,922,679 0.39% 1.325 17,118,134 4,720,821 21,838,955 14,005,406 3,112,728 2001 18,702,529 0.32% 1.320 24,678,934 6,426,933 31,105,867 21,120,601 3,558,333 2002 55,800,462 0.35% 1.315 73,395,818 12,507,420 85,903,238 60,468,805 12,927,013 2003 11,184,504 0.29% 1.311 14,659,414 3,681,124 18,340,538 11,684,590 2,974,824 2004 20,191,116 4.94% 1.307 26,388,152 4,259,727 30,647,879 20,503,608 5,884,543 2005 28,876,929 0.87% 1.245 35,962,690 6,245,051 42,207,741 26,051,446 9,911,244 2006 48,594,126 4.86% 1.235 59,998,549 7,030,599 67,029,148 45,329,710 14,668,839 2007 40,697,234 0.50% 1.177 47,920,761 7,239,036 55,159,797 34,633,035 13,287,726 2008 59,846,595 4.55% 1.172 70,116,784 3,715,155 73,831,939 52,379,047 17,737,737 2009 55,017,322 0.33% 1.121 61,652,490 4,641,037 66,293,528 43,860,305 17,792,186 2010 32,733,074 0.32% 1.117 36,558,408 2,287,441 38,845,849 25,281,884 11,276,524 2011 59,521,319 0.42% 1.113 66,264,116 2,549,245 68,813,360 41,480,779 24,783,336 2012 50,256,855 9.83% 1.109 55,714,461 1,730,638 57,445,099 29,542,379 26,172,082 2013 53,324,307 0.59% 1.009 53,824,165 1,963,844 55,788,009 19,103,183 34,720,982 2014 78,619,908 0.19% 1.003 78,891,829 973,227 79,865,056 21,145,147 57,746,682 2015 64,958,784 0.16% 1.002 65,062,799 609 65,063,408 2,169,391 62,893,408

2016 (3 Mo) 21,633,210 1.000 21,633,210 - 21,633,210 2,640,000 18,993,210

Totals:All Years 948,166,818 1,127,284,624 179,815,135 1,307,099,759 735,226,552 392,058,072

1989 to 1998 219,825,994 296,890,550 99,625,767 396,516,317 247,638,921 49,251,629 1999 to 2016 728,340,824 830,394,074 80,189,368 910,583,442 487,587,632 342,806,442

Notes: (a) See Exhibit IV, Sheet 1, Column (7). (b) Estimated NICA inflation rate by calendar year. Based on review of historical inflation in paid and outstanding loss & expense weighted by the estimated percentage of overall cost by component - see Appendix B. (c) Factor to adjust the birth year level outstanding loss & expense to 2016 level - based on factors shown in column (3). (d) The 2016 level case outstanding as provided by NICA as of March 31, 2016. See Exhibit IX, Sheets 4a, 4b and 4c. (e) The 2016 level case outstanding as provided by NICA as of March 31, 2016. See Exhibit IX, Sheets 2a, 2b and 2c.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IVSheet 1

Birth Year Level Loss & ALAE


Birth Year Level------------------------------------------------------------------------------------------------------------------------------ Open (d)

Case O/S IBNR / Bulk Case+IBNR AcceptedPaid (b) Incurred (c) Loss & ALAE Loss & ALAE Loss & ALAE Claim

Year of Ultimate (a) Loss & ALAE Loss & ALAE @ 3/31/16 @ 3/31/16 @ 3/31/16 CountsBirth Loss & ALAE @ 3/31/16 @ 3/31/16 (4) - (3) (2) - (4) (2) - (3) @ 3/31/16

--------- --------- --------- --------- --------- --------- --------- ---------(1) (2) (3) (4) (5) (6) (7) (8)

1989 23,115,446 10,972,976 20,024,475 9,051,499 3,090,971 12,142,470 5 1990 9,793,941 4,110,345 8,120,592 4,010,247 1,673,349 5,683,595 3 1991 22,211,814 5,409,941 20,008,865 14,598,925 2,202,949 16,801,873 4 1992 41,925,876 9,008,002 36,856,121 27,848,118 5,069,755 32,917,873 9 1993 39,253,317 14,210,309 34,260,080 20,049,771 4,993,237 25,043,008 8 1994 18,685,940 5,427,621 16,104,255 10,676,634 2,581,685 13,258,320 4 1995 25,932,457 6,512,749 22,844,092 16,331,343 3,088,365 19,419,708 5 1996 24,466,511 6,519,345 21,781,916 15,262,572 2,684,595 17,947,167 6 1997 34,463,883 7,877,800 30,384,088 22,506,288 4,079,795 26,586,083 8 1998 62,985,105 12,959,208 56,045,853 43,086,645 6,939,252 50,025,897 13 1999 24,227,205 8,767,334 20,943,897 12,176,563 3,283,308 15,459,871 4 2000 17,087,166 4,164,487 14,737,331 10,572,844 2,349,835 12,922,679 5 2001 24,311,302 5,608,773 21,614,677 16,005,904 2,696,625 18,702,529 4 2002 66,380,304 10,579,842 56,552,315 45,972,473 9,827,989 55,800,462 14 2003 14,332,227 3,147,722 12,062,564 8,914,841 2,269,663 11,184,504 3 2004 23,891,462 3,700,346 19,388,854 15,688,508 4,502,608 20,191,116 5 2005 34,191,185 5,314,256 26,232,762 20,918,507 7,958,423 28,876,929 7 2006 54,534,419 5,940,293 42,653,808 36,713,515 11,880,611 48,594,126 10 2007 46,845,638 6,148,405 35,560,891 29,412,486 11,284,747 40,697,234 8 2008 63,014,470 3,167,874 47,874,826 44,706,951 15,139,644 59,846,595 10 2009 59,361,323 4,344,002 43,483,969 39,139,968 15,877,354 55,017,322 10 2010 34,964,527 2,231,453 24,867,936 22,636,483 10,096,591 32,733,074 6 2011 62,006,268 2,484,949 39,744,794 37,259,845 22,261,474 59,521,319 10 2012 51,955,456 1,698,601 28,347,105 26,648,504 23,608,351 50,256,855 9 2013 55,263,928 1,939,621 20,865,395 18,925,774 34,398,533 53,324,307 6 2014 79,585,117 965,209 22,037,474 21,072,265 57,547,643 78,619,908 10 2015 64,959,391 607 2,166,530 2,165,923 62,792,861 64,958,784 1

2016 (3 Mo) 21,633,210 - 2,640,000 2,640,000 18,993,210 21,633,210 1

Totals: 1,101,378,888 153,212,070 748,205,465 594,993,395 353,173,423 948,166,818 188

Notes: (a) See Exhibit IV, Sheet 2, Column (8). (b) See Exhibit VIII, Sheet 1, Column (2). (c) See Exhibit VII, Sheet 1, Column (2). (d) See Exhibit X, Sheet 1d, Column (5).

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IVSheet 2

Development of Birth Year Level Ultimate Loss & ALAE


Ultimate Loss & ALAE - Birth Year Level Prior-------------------------------------------------------------------------------------------------------------------------------------------------------- Selected Increase or

Incremental Ultimate (Decrease)Year of Paid Incurred Frequency/ Bornhuetter- Cape Cod Payment BY Level From 12/31/15

Birth Projection (a) Projection (b) Severity (c) Ferguson (d) Method (e) Method (f) Selected (g) @ 12/31/15 to 3/31/16--------- --------- --------- --------- --------- --------- --------- --------- --------- ---------

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1989 35,662,171 22,407,387 24,327,381 22,611,569 22,634,900 23,383,111 23,115,446 23,414,027 (298,581) 1990 13,892,967 9,114,203 10,952,958 9,314,661 10,915,520 10,001,034 9,793,941 9,939,137 (145,196) 1991 19,017,023 22,524,461 21,680,747 22,430,233 23,204,271 28,346,630 22,211,814 22,422,995 (211,181) 1992 32,931,528 41,614,292 42,453,131 41,710,204 40,445,009 48,726,561 41,925,876 42,324,758 (398,882) 1993 54,287,920 38,799,149 40,018,952 38,941,852 38,051,297 45,022,954 39,253,317 39,694,225 (440,907) 1994 21,668,331 18,310,836 19,315,125 18,431,860 19,643,228 22,894,669 18,685,940 18,851,442 (165,501) 1995 27,300,437 26,078,052 25,689,458 26,029,862 26,630,596 33,520,287 25,932,457 26,087,912 (155,455) 1996 28,694,490 24,368,198 24,634,839 24,396,497 25,160,172 25,187,694 24,466,511 24,493,693 (27,182) 1997 36,407,328 34,127,717 35,036,523 34,227,408 34,033,495 41,753,936 34,463,883 34,536,923 (73,041) 1998 63,185,113 63,203,078 62,615,678 63,136,559 59,630,174 76,656,217 62,985,105 63,226,390 (241,286) 1999 45,097,902 23,736,589 25,053,499 23,891,528 24,498,950 24,627,030 24,227,205 24,390,834 (163,629) 2000 22,599,703 16,785,941 17,591,323 16,884,233 18,190,043 16,167,094 17,087,166 17,216,907 (129,741) 2001 32,263,761 24,742,392 23,594,259 24,597,255 25,531,441 28,047,192 24,311,302 24,549,828 (238,526) 2002 64,815,057 66,354,012 66,422,738 66,364,164 61,514,545 71,294,709 66,380,304 67,160,964 (780,660) 2003 20,730,109 14,507,089 14,058,150 14,431,440 18,176,011 13,193,600 14,332,227 14,491,272 (159,045) 2004 26,440,960 23,901,033 23,876,879 23,896,473 26,753,761 26,434,920 23,891,462 25,078,722 (1,187,260) 2005 41,390,803 33,146,098 35,740,284 33,687,172 35,248,879 34,236,166 34,191,185 34,625,670 (434,485) 2006 50,430,790 54,972,612 53,898,688 54,731,956 52,494,672 54,675,757 54,534,419 57,273,917 (2,739,498) 2007 57,156,349 47,206,133 46,338,649 46,992,134 47,712,167 46,166,089 46,845,638 47,452,521 (606,882) 2008 32,688,346 65,459,129 59,678,109 63,906,172 61,513,971 61,892,988 63,014,470 66,360,989 (3,346,520) 2009 50,875,751 61,239,187 56,871,832 59,972,950 59,847,573 50,274,528 59,361,323 59,938,541 (577,218) 2010 31,360,996 36,072,580 33,536,244 35,284,759 42,982,994 37,422,734 34,964,527 35,510,801 (546,274) 2011 42,781,462 62,264,638 61,695,406 62,058,759 61,312,067 55,505,305 62,006,268 67,347,302 (5,341,035) 2012 37,285,479 49,960,002 50,668,469 50,266,488 54,931,410 53,986,487 51,955,456 57,809,164 (5,853,708) 2013 63,864,062 49,644,840 53,444,891 51,847,755 60,499,139 47,225,284 55,263,928 60,846,197 (5,582,270) 2014 68,328,139 81,272,014 81,966,724 81,778,348 75,010,281 66,252,826 79,585,117 80,346,694 (761,577) 2015 N/A 39,949,727 60,618,313 59,497,427 74,762,433 59,729,986 64,959,391 61,923,125 3,036,266

2016 (3 Mo) N/A N/A 20,638,701 22,830,995 21,429,933 19,330,667 21,633,210 N/A

Totals:All Years N/A N/A 1,092,417,950 1,094,150,712 1,122,758,933 1,121,956,455 1,101,378,888 N/A N/A

1989 - 2015 N/A 1,051,761,389 1,071,779,249 1,071,319,717 1,101,329,000 1,102,625,788 1,079,745,678 1,107,314,950 (27,569,272) 1989 - 2014 1,021,156,978 1,011,811,661 1,011,160,936 1,011,822,290 1,026,566,566 1,042,895,801 1,014,786,287 1,045,391,825 (30,605,538)

Notes:(a) See Exhibit VIII, Sheet 1, Column (5). (b) See Exhibit VII, Sheet 1, Column (5). (c) See Exhibit VI, Sheet 1, Column (14). (d) See Exhibit V, Column (6). (e) See Exhibit VI, Sheet 2, Column (11). (f) See Appendix E, Exhibit I, Sheet 1, Column (7). (g) Selected based on average of columns (3), (4) & (5) for birth years 2011 and prior. The selection for birth years 2012 and subsequent is based on average of columns (4), (5) & (6).

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit V

Estimation of Ultimate Loss & ALAE - Adjusted to Birth Year LevelBased on Bornhuetter-Ferguson ApproachEvaluated As of March 31, 2016

Birth Year Birth Year IndicatedLevel Level Birth YearInitial Expected Expected Level

Expected Percent (b) Unreported Birth Year (c) UltimateYear of Ultimate (a) Unreported Loss & ALAE Level Reported Loss & ALAE

Birth Loss & ALAE @ 3/31/16 (2) x (3) Loss & ALAE (4) + (5)---------- ---------- ---------- ---------- ---------- ----------

(1) (2) (3) (4) (5) (6)

1989 24,327,381 10.6% 2,587,094 20,024,475 22,611,569 1990 10,952,958 10.9% 1,194,068 8,120,592 9,314,661 1991 21,680,747 11.2% 2,421,368 20,008,865 22,430,233 1992 42,453,131 11.4% 4,854,084 36,856,121 41,710,204 1993 40,018,952 11.7% 4,681,772 34,260,080 38,941,852 1994 19,315,125 12.1% 2,327,605 16,104,255 18,431,860 1995 25,689,458 12.4% 3,185,770 22,844,092 26,029,862 1996 24,634,839 10.6% 2,614,581 21,781,916 24,396,497 1997 35,036,523 11.0% 3,843,320 30,384,088 34,227,408 1998 62,615,678 11.3% 7,090,707 56,045,853 63,136,559 1999 25,053,499 11.8% 2,947,631 20,943,897 23,891,528 2000 17,591,323 12.2% 2,146,902 14,737,331 16,884,233 2001 23,594,259 12.6% 2,982,578 21,614,677 24,597,255 2002 66,422,738 14.8% 9,811,849 56,552,315 66,364,164 2003 14,058,150 16.9% 2,368,877 12,062,564 14,431,440 2004 23,876,879 18.9% 4,507,619 19,388,854 23,896,473 2005 35,740,284 20.9% 7,454,410 26,232,762 33,687,172 2006 53,898,688 22.4% 12,078,149 42,653,808 54,731,956 2007 46,338,649 24.7% 11,431,243 35,560,891 46,992,134 2008 59,678,109 26.9% 16,031,346 47,874,826 63,906,172 2009 56,871,832 29.0% 16,488,981 43,483,969 59,972,950 2010 33,536,244 31.1% 10,416,823 24,867,936 35,284,759 2011 61,695,406 36.2% 22,313,965 39,744,794 62,058,759 2012 50,668,469 43.3% 21,919,383 28,347,105 50,266,488 2013 53,444,891 58.0% 30,982,360 20,865,395 51,847,755 2014 81,966,724 72.9% 59,740,874 22,037,474 81,778,348 2015 60,618,313 94.6% 57,330,897 2,166,530 59,497,427

2016 (3 Mo) 20,638,701 97.8% 20,190,995 2,640,000 22,830,995

Totals: 1,092,417,950 345,945,247 748,205,465 1,094,150,712

Notes: (a) See Exhibit VI, Sheet 1, Column (14). (b) Based on cumulative development factors shown in Exhibit VII, Sheet 1, Col. (4) for all birth years prior to the current birth year. The percent unreported for the current birth year is adjusted to a partial year basis. (c) See Exhibit VII, Sheet 1, Column (2).

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit VISheet 1

Estimated Ultimate Loss & Expense Based on Frequency / Severity Method - Birth Year Cost Level

Birth YearLevel

Birth Year Level Average EstimatedUltimate Loss & ALAE Estimated Claim Size Indicated Birth Year

Based On 2016 Level Estimated Based on Birth Year Level----------------------------------------------------------- Inflation Adjustment Ultimate Ultimate (d) Birth Year All Years Level Ultimate

Year of Adjusted Adjusted Incurred Factor to Loss & ALAE Accepted Level 2016 Level Average Estimated Average (f) Loss & ALAEBirth Paid Proj. (a) Inc. Proj. (b) Selected Basis (c) 2016 Level (4) x (6) Claim Cts. (4) / (8) (7) / (8) (15) / (6) % Rept. (e) Claim Size (13) x (8)

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

1989 35,662,171 22,407,387 22,407,387 0.90% 1.403 31,431,221 11.0 2,037,035 2,857,384 3,678,344 89.37% 2,211,580 24,327,381 1990 13,892,967 9,114,203 9,114,203 0.83% 1.390 12,670,317 7.0 1,302,029 1,810,045 3,711,535 89.10% 1,564,708 10,952,958 1991 19,017,023 22,524,461 22,524,461 0.61% 1.379 31,054,006 4.0 5,631,115 7,763,501 3,742,477 88.83% 5,420,187 21,680,747 1992 32,931,528 41,614,292 41,614,292 0.56% 1.370 57,022,949 13.0 3,201,099 4,386,381 3,765,435 88.57% 3,265,625 42,453,131 1993 54,287,920 38,799,149 38,799,149 0.52% 1.363 52,868,264 13.0 2,984,550 4,066,790 3,786,601 88.30% 3,078,381 40,018,952 1994 21,668,331 18,310,836 18,310,836 0.46% 1.356 24,820,904 7.0 2,615,834 3,545,843 3,806,387 87.95% 2,759,304 19,315,125 1995 27,300,437 26,078,052 26,078,052 0.42% 1.349 35,186,019 6.0 4,346,342 5,864,336 3,824,084 87.60% 4,281,576 25,689,458 1996 28,694,490 24,368,198 24,368,198 0.41% 1.344 32,742,067 7.0 3,481,171 4,677,438 3,840,075 89.39% 3,519,263 24,634,839 1997 36,407,328 34,127,717 34,127,717 0.31% 1.338 45,669,640 11.0 3,102,520 4,151,785 3,855,689 89.03% 3,185,138 35,036,523 1998 63,185,113 63,203,078 63,203,078 0.35% 1.334 84,314,930 15.0 4,213,539 5,620,995 3,867,730 88.68% 4,174,379 62,615,678 1999 45,097,902 23,736,589 23,736,589 0.42% 1.329 31,556,447 9.0 2,637,399 3,506,272 3,881,080 88.23% 2,783,722 25,053,499 2000 22,599,703 16,785,941 16,785,941 0.45% 1.324 22,221,852 6.0 2,797,657 3,703,642 3,897,515 87.80% 2,931,887 17,591,323 2001 32,263,761 24,742,392 24,742,392 0.40% 1.318 32,608,890 4.0 6,185,598 8,152,223 3,914,966 87.36% 5,898,565 23,594,259 2002 64,815,057 66,354,012 66,354,012 0.43% 1.313 87,103,737 17.0 3,903,177 5,123,749 3,930,545 85.23% 3,907,220 66,422,738 2003 20,730,109 14,507,089 14,507,089 0.37% 1.307 18,961,278 3.0 4,835,696 6,320,426 3,947,617 83.15% 4,686,050 14,058,150 2004 26,440,960 23,901,033 23,901,033 4.59% 1.302 31,124,660 6.0 3,983,505 5,187,443 3,962,182 81.12% 3,979,480 23,876,879 2005 41,390,803 33,146,098 33,146,098 0.91% 1.245 41,270,088 11.0 3,013,282 3,751,826 4,143,997 79.14% 3,249,117 35,740,284 2006 50,430,790 54,972,612 54,972,612 4.48% 1.234 67,829,296 12.0 4,581,051 5,652,441 4,181,686 77.59% 4,491,557 53,898,688 2007 57,156,349 47,206,133 47,206,133 0.57% 1.181 55,749,691 10.0 4,720,613 5,574,969 4,368,963 75.33% 4,633,865 46,338,649 2008 32,688,346 65,459,129 65,459,129 5.09% 1.174 76,867,844 10.0 6,545,913 7,686,784 4,393,877 73.14% 5,967,811 59,678,109 2009 50,875,751 61,239,187 61,239,187 0.73% 1.117 68,428,515 10.0 6,123,919 6,842,852 4,617,583 71.01% 5,687,183 56,871,832 2010 31,360,996 36,072,580 36,072,580 0.37% 1.109 40,016,340 6.0 6,012,097 6,669,390 4,651,170 68.94% 5,589,374 33,536,244 2011 42,781,462 62,264,638 62,264,638 0.48% 1.105 68,815,214 13.0 4,789,588 5,293,478 4,668,522 63.83% 4,745,800 61,695,406 2012 37,285,479 49,960,002 49,960,002 8.92% 1.100 54,955,014 11.0 4,541,818 4,995,910 4,690,698 56.74% 4,606,224 50,668,469 2013 63,864,062 49,644,840 49,644,840 0.59% 1.010 50,136,396 11.0 4,513,167 4,557,854 5,109,088 42.03% 4,858,626 53,444,891 2014 68,328,139 81,272,014 81,272,014 0.22% 1.004 81,597,815 16.0 5,079,501 5,099,863 5,139,074 27.12% 5,122,920 81,966,724 2015 214,754 39,949,727 39,949,727 0.18% 1.002 40,022,532 12.0 3,329,144 3,335,211 5,150,289 5.42% 5,051,526 60,618,313

2016 (3 Mo) N/A N/A N/A 1.000 N/A 4.0 N/A N/A 5,159,675 N/A 5,159,675 20,638,701

Totals:All Years N/A N/A N/A N/A N/A N/A N/A 1,092,417,950

1992 - 2011 783,107,136 776,888,753 776,888,753 975,178,626 189 4,110,523 5,159,675 768,119,766 1993 - 2010 707,394,147 673,009,823 673,009,823 849,340,462 163 4,128,895 5,210,678 663,971,229 1994 - 2009 621,745,231 598,138,095 598,138,095 756,455,858 144 4,153,737 5,253,166 590,416,034 1995 - 2008 549,201,148 518,588,071 518,588,071 663,206,440 127 4,083,371 5,222,098 514,229,076 1992 - 2012 820,392,615 826,848,755 826,848,755 1,030,133,639 200 4,134,244 5,150,668 818,788,235

(15) Selected 2016 Level Average Claim Size ==> 5,159,675

Notes: (a) See Exhibit VIII, Sheet 1. (b) See Exhibit VII, Sheet 1. (c) See Exhibit IX, Sheets 5a, 5b and 5c , calendar year factors. (d) Based on ultimate reported accepted claim counts for AAA and AAD only (Excluding DA claims). See Exhibit X, Sheet 1a, Column (10). (e) See Exhibit VII, Sheet 1, Column (4) for basis of reporting pattern for all years other than the current birth year. (f) The historical birth year level average claim size is based on a combination (wtd. avg.) of the average for all years (column (10)) and the average based on experience (column (9)) for all birth years prior to the current birth year. The calculation for the current birth year is shown in Item (15). The weights are based on reporting pattern as shown in column (12).

IndicatedAverage Claim Size

-------------------------------

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit VISheet 2

Estimation of Birth Year Level Ultimate Loss & ALAEBased on Cape Cod Type Methodology

Evaluated As of March 31, 2016Incurred

Exposure (Reported)Birth Year Adjusted to Loss & ALAE 2016 Level IndicatedLevel (b) Expected Expected Adjusted to Loss & ALAE Indicated (e) BY LevelIncurred Percent (c) Percent Adjustment BY per Insured BY Level Ultimate

Year of Insured (a) Loss & ALAE Reported Reported Factor to (d) 2016 Level Physician Unreported Loss & ALAEBirth Physicians @ 3/31/16 @ 3/31/16 (2) X (4) 2016 Level (3) X (6) (7) / (5) Loss & ALAE (3) + (10)

--------- --------- --------- --------- --------- --------- --------- --------- --------- ---------(1) (2) (3) (4) (5) (6) (7) (8) (10) (11)

1989 570 20,024,475 89.37% 509.4 1.403 28,088,669 55,142 2,610,425 22,634,900 1990 590 8,120,592 89.10% 525.7 1.390 11,289,026 21,475 2,794,928 10,915,520 1991 653 20,008,865 88.83% 580.1 1.379 27,585,806 47,556 3,195,406 23,204,271 1992 712 36,856,121 88.57% 630.6 1.370 50,502,955 80,088 3,588,888 40,445,009 1993 731 34,260,080 88.30% 645.5 1.363 46,683,266 72,323 3,791,217 38,051,297 1994 659 16,104,255 87.95% 579.6 1.356 21,829,815 37,664 3,538,973 19,643,228 1995 682 22,844,092 87.60% 597.4 1.349 30,822,572 51,592 3,786,504 26,630,596 1996 708 21,781,916 89.39% 632.9 1.344 29,267,038 46,246 3,378,255 25,160,172 1997 737 30,384,088 89.03% 656.2 1.338 40,659,923 61,967 3,649,407 34,033,495 1998 699 56,045,853 88.68% 619.8 1.334 74,766,963 120,622 3,584,321 59,630,174 1999 665 20,943,897 88.23% 586.8 1.329 27,843,722 47,453 3,555,053 24,498,950 2000 620 14,737,331 87.80% 544.3 1.324 19,509,826 35,842 3,452,712 18,190,043 2001 676 21,614,677 87.36% 590.5 1.318 28,486,762 48,238 3,916,764 25,531,441 2002 730 56,552,315 85.23% 622.2 1.313 74,236,928 119,320 4,962,230 61,514,545 2003 785 12,062,564 83.15% 652.7 1.307 15,766,197 24,154 6,113,447 18,176,011 2004 841 19,388,854 81.12% 682.2 1.302 25,248,762 37,009 7,364,907 26,753,761 2005 891 26,232,762 79.14% 705.2 1.245 32,662,318 46,319 9,016,117 35,248,879 2006 897 42,653,808 77.59% 696.0 1.234 52,629,440 75,618 9,840,864 52,494,672 2007 963 35,560,891 75.33% 725.4 1.181 41,996,846 57,892 12,151,276 47,712,167 2008 987 47,874,826 73.14% 721.9 1.174 56,218,815 77,880 13,639,146 61,513,971 2009 1,044 43,483,969 71.01% 741.3 1.117 48,588,879 65,545 16,363,604 59,847,573 2010 1,071 24,867,936 68.94% 738.3 1.109 27,586,710 37,364 18,115,058 42,982,994 2011 1,091 39,744,794 63.83% 696.4 1.105 43,926,161 63,075 21,567,273 61,312,067 2012 1,119 28,347,105 56.74% 634.9 1.100 31,181,254 49,111 26,584,306 54,931,410 2013 1,143 20,865,395 42.03% 480.4 1.010 21,071,993 43,864 39,633,744 60,499,139 2014 1,208 22,037,474 27.12% 327.6 1.004 22,125,817 67,548 52,972,807 75,010,281 2015 1,273 2,166,530 5.42% 69.0 1.002 2,170,478 31,440 72,595,904 74,762,433

2016 (3 Mo) 1,251 2,640,000 0.54% 6.8 1.000 2,640,000 389,131 18,789,933 21,429,933

Totals:All Years 23,996 748,205,465 16,199 935,386,941 57,743 374,553,468 1,122,758,933

1992 - 2011 16,189 623,995,029 13,065 789,233,897 60,407 155,376,016 779,371,046 1993 - 2010 14,386 547,394,114 11,738 694,804,781 59,192 130,219,855 677,613,970 1994 - 2009 12,584 488,266,098 10,354 620,534,806 59,930 108,313,581 596,579,679 1995 - 2008 10,881 428,677,874 9,033 550,116,112 60,897 88,411,004 517,088,878 1992 - 2012 17,308 652,342,134 13,700 820,415,151 59,884 181,960,322 834,302,456

(9) Indicated 2016 Level Loss & ALAE per Insured Physician 60,407

Notes: (a) See Exhibit X, Sheet 1c, Columns (4) and (10). (b) See Exhibit VII, Sheet 1. (c) Based on cumulative development factors shown in Exhibit VII, Sheet 1, Column (4). (d) See Exhibit VI, Sheet 1, Column (6). (e) Calculation = [Item (9) / Column (6)] X [1.0 - Column (4)] X Column (2), except for the current year (2016) - current year calculation is multiplied by 0.25 to account for the partial year.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit VIISheet 1

Incurred Loss & ALAE - Adjusted to Birth Year Cost Basis

Evaluated As of March 31, 2016CombinedIncurred

Combined Loss & ALAEYear of Incurred Projection

Birth Loss & ALAE Incremental Cumulative (2) x (4)---------- ---------- ---------- ---------- ----------

(1) (2) (3) (4) (5)

1989 20,024,475 1.119 1.119 22,407,387 1990 8,120,592 1.003 1.122 9,114,203 1991 20,008,865 1.003 1.126 22,524,461 1992 36,856,121 1.003 1.129 41,614,292 1993 34,260,080 1.003 1.132 38,799,149 1994 16,104,255 1.004 1.137 18,310,836 1995 22,844,092 1.004 1.142 26,078,052 1996 21,781,916 0.980 1.119 24,368,198 1997 30,384,088 1.004 1.123 34,127,717 1998 56,045,853 1.004 1.128 63,203,078 1999 20,943,897 1.005 1.133 23,736,589 2000 14,737,331 1.005 1.139 16,785,941 2001 21,614,677 1.005 1.145 24,742,392 2002 56,552,315 1.025 1.173 66,354,012 2003 12,062,564 1.025 1.203 14,507,089 2004 19,388,854 1.025 1.233 23,901,033 2005 26,232,762 1.025 1.264 33,146,098 2006 42,653,808 1.020 1.289 54,972,612 2007 35,560,891 1.030 1.327 47,206,133 2008 47,874,826 1.030 1.367 65,459,129 2009 43,483,969 1.030 1.408 61,239,187 2010 24,867,936 1.030 1.451 36,072,580 2011 39,744,794 1.080 1.567 62,264,638 2012 28,347,105 1.125 1.762 49,960,002 2013 20,865,395 1.350 2.379 49,644,840 2014 22,037,474 1.550 3.688 81,272,014 2015 2,166,530 5.000 18.440 39,949,727 2016 2,640,000 10.000 184.395 486,802,880

Totals: 748,205,465 1,538,564,268

----------------------------Loss Development Factors

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit VIIIncurred Loss & ALAE - Adjusted to Birth Year Cost Basis Sheet 2a


Year ofBirth 3 15 27 39 51 63 75 87 99 111

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 23,149,536 26,926,138 23,724,652 21,922,648 15,207,076 16,763,074 18,340,750 1990 12,450,732 21,977,875 18,453,256 25,813,657 16,089,674 16,147,480 12,962,470 12,547,242 1991 6,269,699 8,043,736 7,195,368 11,165,624 7,455,543 7,971,128 7,816,505 7,676,559 8,205,051 1992 - 10,264,623 11,444,751 39,201,317 17,241,793 18,017,762 15,669,153 16,277,768 16,976,915 16,356,216 1993 - 6,033,122 16,927,069 21,508,286 24,471,728 25,244,737 33,398,515 35,521,245 44,159,345 56,091,570 1994 - 6,682,590 4,414,454 6,932,000 8,050,767 9,925,796 17,755,685 18,084,010 16,319,595 10,114,436 1995 - 1,148,951 2,283,393 9,879,975 13,600,448 12,283,873 15,877,014 19,570,411 19,620,987 20,213,121 1996 - 1,211,897 4,205,943 7,850,690 8,573,218 16,864,327 26,073,298 24,186,363 24,714,093 30,229,600 1997 - 1,161,547 12,526,757 13,109,566 14,478,304 23,641,075 28,110,248 29,475,460 23,391,432 26,444,350 1998 - 10,433,286 11,158,159 19,544,866 28,660,774 34,435,102 38,307,671 37,847,898 40,641,840 45,470,969 1999 - 6,444,076 8,179,359 12,677,359 24,534,365 27,583,159 25,335,405 25,451,092 23,755,404 24,434,380 2000 - 9,323,051 21,259,175 21,413,299 25,329,199 15,476,205 14,900,945 16,082,909 15,728,911 15,589,769 2001 - 267,023 7,492,911 12,030,353 10,341,362 14,779,507 16,835,434 19,834,628 18,906,198 18,847,263 2002 - 5,820,745 13,919,975 26,615,030 26,645,136 32,273,540 36,815,257 42,817,910 57,883,244 56,058,313 2003 - 220,002 498,168 6,952,381 11,866,761 9,754,236 8,779,450 9,784,509 12,018,504 12,936,450 2004 - 160,382 6,530,246 12,439,982 20,468,606 24,943,792 23,821,921 19,541,529 20,013,808 18,638,237 2005 - 54,528 7,202,548 22,587,277 29,217,599 36,614,361 46,085,687 44,388,598 40,912,181 30,145,572 2006 - 2,995,583 6,769,298 18,914,756 30,078,957 36,407,935 43,413,151 40,344,833 40,034,218 41,886,044 2007 - 260,475 6,729,367 19,723,198 30,191,672 39,992,747 38,839,866 35,710,404 36,240,837 35,560,891 2008 - 4,576,413 21,127,133 30,640,332 42,837,215 41,301,763 45,284,766 46,043,242 47,874,826 2009 - 2,498,302 14,202,209 37,477,656 42,281,362 45,452,636 40,736,671 43,483,969 2010 - 3,171,475 14,764,660 23,643,260 29,748,288 24,634,842 24,867,936 2011 2,640,000 10,619,984 16,531,332 30,686,907 35,965,267 39,744,794 2012 3,640,000 11,009,784 18,604,455 33,865,602 28,347,105 2013 25,000 10,918,581 20,030,902 20,865,395 2014 - 14,412,528 22,037,474 2015 - 2,166,530 2016 2,640,000

3:15 15:27 27:39 39:51 51:63 63:75 75:87 87:99 99:111 111:123---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1.163 0.881 0.924 0.694 1.102 1.094 1.026 1990 1.765 0.840 1.399 0.623 1.004 0.803 0.968 1.015 1991 1.283 0.895 1.552 0.668 1.069 0.981 0.982 1.069 1.019 1992 1.115 3.425 0.440 1.045 0.870 1.039 1.043 0.963 1.250 1993 2.806 1.271 1.138 1.032 1.323 1.064 1.243 1.270 0.943 1994 0.661 1.570 1.161 1.233 1.789 1.018 0.902 0.620 0.964 1995 1.987 4.327 1.377 0.903 1.293 1.233 1.003 1.030 1.030 1996 3.471 1.867 1.092 1.967 1.546 0.928 1.022 1.223 0.938 1997 10.785 1.047 1.104 1.633 1.189 1.049 0.794 1.131 0.996 1998 1.069 1.752 1.466 1.201 1.112 0.988 1.074 1.119 1.011 1999 1.269 1.550 1.935 1.124 0.919 1.005 0.933 1.029 1.085 2000 2.280 1.007 1.183 0.611 0.963 1.079 0.978 0.991 1.236 2001 28.061 1.606 0.860 1.429 1.139 1.178 0.953 0.997 1.097 2002 2.391 1.912 1.001 1.211 1.141 1.163 1.352 0.968 1.145 2003 2.264 13.956 1.707 0.822 0.900 1.114 1.228 1.076 0.974 2004 40.717 1.905 1.645 1.219 0.955 0.820 1.024 0.931 1.040 2005 132.090 3.136 1.294 1.253 1.259 0.963 0.922 0.737 0.881 2006 2.260 2.794 1.590 1.210 1.192 0.929 0.992 1.046 1.018 2007 25.835 2.931 1.531 1.325 0.971 0.919 1.015 0.981 2008 4.617 1.450 1.398 0.964 1.096 1.017 1.040 2009 5.685 2.639 1.128 1.075 0.896 1.067 2010 4.655 1.601 1.258 0.828 1.009 2011 4.023 1.557 1.856 1.172 1.105 2012 3.025 1.690 1.820 0.837 2013 436.743 1.835 1.042 2014 1.529 2015

Simple Avg. - Incremental 147.930 11.746 2.463 1.245 1.136 1.099 1.012 1.020 1.013 1.037 Wtd Avg. All - Incremental 19.327 2.198 1.787 1.166 1.104 1.074 1.003 1.032 1.019 1.030 Wtd Latest Five - Incremental 7.792 1.835 1.742 1.146 1.056 1.029 0.980 0.995 0.933 1.036 Wtd Avg. All - Cumulative 6.246 2.841 1.590 1.364 1.235 1.151 1.147 1.112 1.091 Wtd Latest Five - Cumulative 3.310 1.805 1.036 0.904 0.856 0.832 0.850 0.854 0.916 Selected Incremental - Prior 3/31/15 10.000 1.700 1.650 1.225 1.085 1.075 1.030 1.030 1.030 1.040 Selected - Incremental 10.000 5.000 1.550 1.350 1.125 1.080 1.030 1.030 1.030 1.030 Selected - Cumulative 184.395 18.440 3.688 2.379 1.762 1.567 1.451 1.408 1.367 1.327

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit VIIIncurred Loss & ALAE - Adjusted to Birth Year Cost Basis Sheet 2b


Year ofBirth 123 135 147 159 171 183 195 207 219 231

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 18,818,234 16,798,593 15,198,920 21,447,553 17,140,604 17,790,515 18,756,451 20,562,018 24,345,852 23,784,523 1990 12,734,389 13,253,897 15,816,772 18,758,370 18,029,774 19,019,970 18,831,379 16,155,093 12,589,958 12,168,801 1991 8,362,312 12,507,862 13,058,075 12,424,982 14,614,555 14,857,551 16,660,425 18,529,853 19,569,064 18,183,861 1992 20,442,837 21,911,367 23,342,352 24,029,756 29,205,759 36,981,931 36,769,501 37,105,525 37,794,307 37,918,482 1993 52,879,124 48,382,903 50,750,406 53,064,254 49,456,515 46,386,049 40,105,098 38,460,385 39,153,170 35,610,066 1994 9,747,917 10,271,658 11,215,066 12,004,621 11,410,795 14,069,733 13,463,790 13,843,914 15,543,823 16,012,915 1995 20,816,106 23,752,156 23,550,902 21,944,003 24,777,052 25,633,952 24,393,760 22,932,229 21,573,298 22,939,032 1996 28,366,840 31,336,472 30,544,811 29,090,085 27,536,869 27,537,072 20,248,665 22,287,754 21,576,067 21,599,494 1997 26,340,328 26,656,929 26,554,551 32,507,247 36,753,165 34,826,532 33,294,617 31,590,378 30,315,988 30,384,088 1998 45,982,146 48,404,029 46,303,297 52,168,174 50,718,251 52,679,835 54,272,134 54,917,824 56,045,853 1999 26,520,687 22,627,958 26,123,383 23,234,593 23,004,722 23,405,176 20,610,191 20,943,897 2000 19,271,800 18,167,740 14,619,389 16,681,324 14,630,172 14,835,290 14,737,331 2001 20,682,058 19,189,127 21,444,112 20,747,280 21,393,715 21,614,677 2002 64,167,656 62,815,789 56,920,758 55,995,649 56,552,315 2003 12,599,038 11,975,143 12,336,046 12,062,564 2004 19,390,702 19,494,493 19,388,854 2005 26,558,888 26,232,762 2006 42,653,808 2007200820092010201120122013201420152016

123:135 135:147 147:159 159:171 171:183 183:195 195:207 207:219 219:231 231:243---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 0.893 0.905 1.411 0.799 1.038 1.054 1.096 1.184 0.977 0.960 1990 1.041 1.193 1.186 0.961 1.055 0.990 0.858 0.779 0.967 0.908 1991 1.496 1.044 0.952 1.176 1.017 1.121 1.112 1.056 0.929 1.008 1992 1.072 1.065 1.029 1.215 1.266 0.994 1.009 1.019 1.003 1.016 1993 0.915 1.049 1.046 0.932 0.938 0.865 0.959 1.018 0.910 1.048 1994 1.054 1.092 1.070 0.951 1.233 0.957 1.028 1.123 1.030 0.988 1995 1.141 0.992 0.932 1.129 1.035 0.952 0.940 0.941 1.063 1.005 1996 1.105 0.975 0.952 0.947 1.000 0.735 1.101 0.968 1.001 1.008 1997 1.012 0.996 1.224 1.131 0.948 0.956 0.949 0.960 1.002 1998 1.053 0.957 1.127 0.972 1.039 1.030 1.012 1.021 1999 0.853 1.154 0.889 0.990 1.017 0.881 1.016 2000 0.943 0.805 1.141 0.877 1.014 0.993 2001 0.928 1.118 0.968 1.031 1.010 2002 0.979 0.906 0.984 1.010 2003 0.950 1.030 0.978 2004 1.005 0.995 2005 0.988 2006200720082009201020112012201320142015

Simple Avg. - Incremental 1.025 1.017 1.059 1.009 1.047 0.961 1.007 1.007 0.987 0.993 Wtd Avg. All - Incremental 1.000 0.999 1.047 1.003 1.032 0.952 1.000 1.008 0.983 1.003 Wtd Latest Five - Incremental 0.974 0.947 0.979 0.985 1.006 0.934 0.999 0.996 0.987 1.018 Wtd Avg. All - Cumulative 1.060 1.059 1.060 1.012 1.010 0.978 1.028 1.028 1.020 1.038 Wtd Latest Five - Cumulative 0.884 0.908 0.958 0.978 0.993 0.987 1.057 1.058 1.062 1.076 Selected Incremental - Prior 3/31/15 1.030 1.030 1.025 1.025 1.025 0.985 1.010 1.010 1.010 1.010 Selected - Incremental 1.020 1.025 1.025 1.025 1.025 1.005 1.005 1.005 1.004 1.004 Selected - Cumulative 1.289 1.264 1.233 1.203 1.173 1.145 1.139 1.133 1.128 1.123

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit VIIIncurred Loss & ALAE - Adjusted to Birth Year Cost Basis Sheet 2c


Year ofBirth 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 22,822,095 21,147,101 21,625,472 21,124,704 21,296,950 20,370,811 19,687,147 20,024,475 1990 11,048,585 8,691,192 8,735,590 9,046,076 8,320,016 8,068,065 8,120,592 1991 18,327,473 18,991,852 21,053,805 19,589,030 19,802,027 20,008,865 1992 38,538,090 40,851,880 38,434,701 36,805,224 36,856,121 1993 37,316,590 33,788,068 33,874,975 34,260,080 1994 15,820,960 15,822,517 16,104,255 1995 23,046,768 22,844,092 1996 21,781,916 19971998199920002001200220032004200520062007200820092010201120122013201420152016

243:255 255:267 267:279 279:291 291:303 303:315 315:327 327:Ult.---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 0.927 1.023 0.977 1.008 0.957 0.966 1.017 1990 0.787 1.005 1.036 0.920 0.970 1.007 1991 1.036 1.109 0.930 1.011 1.010 1992 1.060 0.941 0.958 1.001 1993 0.905 1.003 1.011 1994 1.000 1.018 1995 0.991 19961997199819992000200120022003200420052006200720082009201020112012201320142015

Simple Avg. - Incremental 0.958 1.016 0.982 0.985 0.979 0.986 1.017 Wtd Avg. All - Incremental 0.971 1.004 0.977 0.997 0.980 0.978 1.017 Wtd Latest Five - Incremental 0.994 1.000 0.977 0.997 0.980 0.978 1.017 Wtd Avg. All - Cumulative 1.035 1.066 1.062 1.087 1.091 1.113 1.138 1.119 Wtd Latest Five - Cumulative 1.056 1.062 1.062 1.087 1.091 1.113 1.138 1.119 Selected Incremental - Prior 3/31/15 0.980 1.003 1.003 1.003 1.003 1.003 1.127 Selected - Incremental 0.980 1.004 1.004 1.003 1.003 1.003 1.003 1.119 Selected - Cumulative 1.119 1.142 1.137 1.132 1.129 1.126 1.122 1.119

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit VIIISheet 1

Paid Loss & ALAE - Adjusted to Birth Year Cost Basis


CombinedPaid

Combined Loss & ALAEYear of Paid Projection

Birth Loss & ALAE Incremental Cumulative (2) x (4)---------- ---------- ---------- ---------- ----------

(1) (2) (3) (4) (5)

1989 10,972,976 3.250 3.250 35,662,171 1990 4,110,345 1.040 3.380 13,892,967 1991 5,409,941 1.040 3.515 19,017,023 1992 9,008,002 1.040 3.656 32,931,528 1993 14,210,309 1.045 3.820 54,287,920 1994 5,427,621 1.045 3.992 21,668,331 1995 6,512,749 1.050 4.192 27,300,437 1996 6,519,345 1.050 4.401 28,694,490 1997 7,877,800 1.050 4.622 36,407,328 1998 12,959,208 1.055 4.876 63,185,113 1999 8,767,334 1.055 5.144 45,097,902 2000 4,164,487 1.055 5.427 22,599,703 2001 5,608,773 1.060 5.752 32,263,761 2002 10,579,842 1.065 6.126 64,815,057 2003 3,147,722 1.075 6.586 20,730,109 2004 3,700,346 1.085 7.146 26,440,960 2005 5,314,256 1.090 7.789 41,390,803 2006 5,940,293 1.090 8.490 50,430,790 2007 6,148,405 1.095 9.296 57,156,349 2008 3,167,874 1.110 10.319 32,688,346 2009 4,344,002 1.135 11.712 50,875,751 2010 2,231,453 1.200 14.054 31,360,996 2011 2,484,949 1.225 17.216 42,781,462 2012 1,698,601 1.275 21.951 37,285,479 2013 1,939,621 1.500 32.926 63,864,062 2014 965,209 2.150 70.791 68,328,139 2015 607 5.000 353.955 214,754 2016 - 20.000 7,079.101 -

Totals: 153,212,070 1,021,371,732

----------------------------Loss Development Factors

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit VIIIPaid Loss & ALAE - Adjusted to Birth Year Cost Basis Sheet 2a


Year ofBirth 3 15 27 39 51 63 75 87 99 111

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1,369,815 2,150,117 3,111,140 3,536,986 3,867,862 4,259,488 4,799,152 1990 370,151 922,560 976,629 1,265,609 1,445,999 1,585,286 1,662,546 1,764,051 1991 2,093 217,224 254,382 640,729 936,381 1,061,541 1,146,558 1,190,462 1,224,308 1992 - 11,589 247,769 895,811 1,817,976 2,242,399 2,558,514 2,808,780 3,040,446 3,214,192 1993 - 1,750 221,428 935,265 1,562,696 2,407,500 3,115,186 3,880,653 4,605,988 5,347,602 1994 - 197,193 744,231 1,225,203 1,703,458 1,958,279 2,686,006 2,964,322 3,273,410 3,451,167 1995 - 2,544 131,459 746,300 1,152,345 1,226,752 1,324,232 1,463,312 1,549,451 1,735,019 1996 - 4,350 638,405 859,592 1,391,441 1,666,160 2,321,726 2,747,338 3,004,539 3,298,435 1997 - 12,552 581,546 957,983 1,242,195 1,651,117 2,306,607 2,687,149 2,980,342 3,284,979 1998 - 33,829 763,314 1,540,974 2,297,824 2,783,037 3,191,934 4,436,948 4,991,213 5,665,753 1999 - 521,547 982,925 1,290,571 1,851,921 2,437,779 2,883,275 3,248,851 3,850,183 4,702,393 2000 - 326,833 824,365 1,347,917 1,809,273 2,081,436 2,273,421 2,403,462 2,564,393 2,708,344 2001 - 117,765 496,134 1,128,136 1,561,375 1,951,485 2,768,125 3,204,608 3,469,593 3,671,120 2002 - 121,823 672,294 1,373,488 2,046,174 2,851,094 3,448,629 4,688,352 5,488,636 6,296,724 2003 - 215,016 482,840 584,764 693,612 995,309 1,501,142 1,653,339 1,799,162 2,030,443 2004 - 3,768 358,813 963,616 1,414,601 1,682,627 2,086,156 2,420,187 2,735,531 2,896,551 2005 - 24 23,224 770,452 1,520,278 2,019,102 3,027,306 3,649,603 4,157,885 4,564,062 2006 - 1,891 282,879 633,203 1,469,720 2,107,902 3,642,887 4,335,551 4,925,205 5,431,058 2007 - 113,471 554,880 1,313,184 2,241,349 2,968,564 3,861,818 4,641,515 5,376,901 6,148,405 2008 - 5,182 348,016 897,396 1,477,064 1,800,397 2,127,353 2,623,195 3,167,874 2009 - 325,459 714,850 1,704,811 2,588,020 3,090,739 3,611,257 4,344,002 2010 - 119,093 1,045,610 1,224,483 1,846,659 2,074,627 2,231,453 2011 - 17,682 216,679 1,205,852 1,707,577 2,484,949 2012 58 22,335 261,902 1,001,640 1,698,601 2013 - 133,032 911,908 1,939,621 2014 - 165,996 965,209 2015 - 607 2016 -

3:15 15:27 27:39 39:51 51:63 63:75 75:87 87:99 99:111 111:123---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1.570 1.447 1.137 1.094 1.101 1.127 1.063 1990 2.492 1.059 1.296 1.143 1.096 1.049 1.061 1.036 1991 103.788 1.171 2.519 1.461 1.134 1.080 1.038 1.028 1.080 1992 21.379 3.616 2.029 1.233 1.141 1.098 1.082 1.057 1.064 1993 126.525 4.224 1.671 1.541 1.294 1.246 1.187 1.161 1.143 1994 3.774 1.646 1.390 1.150 1.372 1.104 1.104 1.054 1.015 1995 51.675 5.677 1.544 1.065 1.079 1.105 1.059 1.120 1.119 1996 146.774 1.346 1.619 1.197 1.393 1.183 1.094 1.098 1.093 1997 46.329 1.647 1.297 1.329 1.397 1.165 1.109 1.102 1.064 1998 22.564 2.019 1.491 1.211 1.147 1.390 1.125 1.135 1.090 1999 1.885 1.313 1.435 1.316 1.183 1.127 1.185 1.221 1.123 2000 2.522 1.635 1.342 1.150 1.092 1.057 1.067 1.056 1.047 2001 4.213 2.274 1.384 1.250 1.418 1.158 1.083 1.058 1.067 2002 5.519 2.043 1.490 1.393 1.210 1.359 1.171 1.147 1.112 2003 2.246 1.211 1.186 1.435 1.508 1.101 1.088 1.129 1.112 2004 95.233 2.686 1.468 1.189 1.240 1.160 1.130 1.059 1.093 2005 980.268 33.175 1.973 1.328 1.499 1.206 1.139 1.098 1.083 2006 149.611 2.238 2.321 1.434 1.728 1.190 1.136 1.103 1.094 2007 4.890 2.367 1.707 1.324 1.301 1.202 1.158 1.143 2008 67.164 2.579 1.646 1.219 1.182 1.233 1.208 2009 2.196 2.385 1.518 1.194 1.168 1.203 2010 8.780 1.171 1.508 1.123 1.076 2011 12.255 5.565 1.416 1.455 2012 386.410 11.726 3.824 1.696 2013 6.855 2.127 2014 5.815 2015

Simple Avg. - Incremental 386.410 78.499 3.768 1.595 1.293 1.266 1.169 1.116 1.103 1.083 Wtd Avg. All - Incremental 42,825.767 5.123 2.127 1.545 1.286 1.258 1.183 1.126 1.113 1.087 Wtd Latest Five - Incremental 5,876.319 7.424 2.246 1.544 1.259 1.285 1.204 1.152 1.109 1.099 Wtd Avg. All - Cumulative 405.807 79.218 37.250 24.105 18.743 14.896 12.592 11.180 10.049 Wtd Latest Five - Cumulative 678.482 91.388 40.693 26.352 20.923 16.282 13.521 11.732 10.576 Selected Incremental - Prior 3/31/15 20.000 5.000 2.150 1.550 1.275 1.270 1.200 1.135 1.100 1.100 Selected - Incremental 20.000 5.000 2.150 1.500 1.275 1.225 1.200 1.135 1.110 1.095 Selected - Cumulative 7,079.101 353.955 70.791 32.926 21.951 17.216 14.054 11.712 10.319 9.296

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit VIIIPaid Loss & ALAE - Adjusted to Birth Year Cost Basis Sheet 2b


Year ofBirth 123 135 147 159 171 183 195 207 219 231

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 5,100,967 5,420,982 6,577,190 6,782,295 7,149,006 7,426,751 7,744,365 8,087,496 8,385,812 8,643,046 1990 1,828,157 1,891,647 1,981,903 2,105,687 2,318,940 2,554,195 2,810,626 3,044,989 3,147,789 3,232,326 1991 1,322,537 1,410,836 1,532,921 1,638,490 1,739,459 1,860,342 1,979,404 2,226,407 2,647,718 3,016,111 1992 3,420,740 3,655,903 3,977,585 4,270,641 4,549,660 4,814,701 5,119,987 5,460,426 5,825,266 6,331,525 1993 6,114,390 6,783,881 7,381,888 8,142,754 8,868,457 9,418,239 9,960,816 10,457,307 11,040,347 11,571,467 1994 3,503,679 3,715,500 4,178,110 4,236,750 4,302,814 4,437,619 4,550,070 4,679,375 4,784,701 4,888,986 1995 1,942,094 2,582,440 2,821,012 3,143,947 3,505,533 3,600,448 4,618,930 4,862,319 5,129,687 5,586,994 1996 3,605,288 3,857,802 4,160,408 4,423,656 4,717,304 5,062,161 5,409,463 5,650,530 5,940,087 6,228,068 1997 3,494,499 3,858,111 4,341,282 4,884,402 5,356,827 5,838,459 6,586,696 7,041,140 7,440,796 7,877,800 1998 6,174,314 6,873,526 7,591,102 8,404,448 9,216,200 10,001,195 11,047,579 12,005,894 12,959,208 1999 5,278,638 5,779,090 6,398,859 6,967,316 7,384,097 7,888,761 8,389,873 8,767,334 2000 2,835,889 3,084,158 3,278,207 3,464,970 3,714,715 3,957,545 4,164,487 2001 3,918,807 4,179,455 4,470,239 4,840,499 5,192,877 5,608,773 2002 7,004,364 7,862,513 8,857,381 9,693,789 10,579,842 2003 2,258,341 2,466,306 2,792,703 3,147,722 2004 3,167,270 3,442,099 3,700,346 2005 4,944,823 5,314,256 2006 5,940,293 2007200820092010201120122013201420152016

123:135 135:147 147:159 159:171 171:183 183:195 195:207 207:219 219:231 231:243---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1.063 1.213 1.031 1.054 1.039 1.043 1.044 1.037 1.031 1.018 1990 1.035 1.048 1.062 1.101 1.101 1.100 1.083 1.034 1.027 1.024 1991 1.067 1.087 1.069 1.062 1.069 1.064 1.125 1.189 1.139 1.123 1992 1.069 1.088 1.074 1.065 1.058 1.063 1.066 1.067 1.087 1.072 1993 1.109 1.088 1.103 1.089 1.062 1.058 1.050 1.056 1.048 1.052 1994 1.060 1.125 1.014 1.016 1.031 1.025 1.028 1.023 1.022 1.034 1995 1.330 1.092 1.114 1.115 1.027 1.283 1.053 1.055 1.089 1.085 1996 1.070 1.078 1.063 1.066 1.073 1.069 1.045 1.051 1.048 1.047 1997 1.104 1.125 1.125 1.097 1.090 1.128 1.069 1.057 1.059 1998 1.113 1.104 1.107 1.097 1.085 1.105 1.087 1.079 1999 1.095 1.107 1.089 1.060 1.068 1.064 1.045 2000 1.088 1.063 1.057 1.072 1.065 1.052 2001 1.067 1.070 1.083 1.073 1.080 2002 1.123 1.127 1.094 1.091 2003 1.092 1.132 1.127 2004 1.087 1.075 2005 1.075 2006200720082009201020112012201320142015

Simple Avg. - Incremental 1.097 1.101 1.081 1.076 1.065 1.088 1.063 1.065 1.061 1.057 Wtd Avg. All - Incremental 1.095 1.107 1.083 1.077 1.065 1.083 1.060 1.060 1.056 1.052 Wtd Latest Five - Incremental 1.093 1.098 1.090 1.081 1.079 1.087 1.063 1.059 1.053 1.057 Wtd Avg. All - Cumulative 9.242 8.440 7.622 7.041 6.539 6.138 5.669 5.350 5.049 4.782 Wtd Latest Five - Cumulative 9.625 8.810 8.023 7.361 6.807 6.310 5.805 5.461 5.157 4.898 Selected Incremental - Prior 3/31/15 1.100 1.100 1.080 1.075 1.070 1.065 1.060 1.055 1.055 1.050 Selected - Incremental 1.090 1.090 1.085 1.075 1.065 1.060 1.055 1.055 1.055 1.050 Selected - Cumulative 8.490 7.789 7.146 6.586 6.126 5.752 5.427 5.144 4.876 4.622

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit VIIIPaid Loss & ALAE - Adjusted to Birth Year Cost Basis Sheet 2c


Year ofBirth 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 8,799,834 8,997,675 9,187,874 9,496,509 9,784,299 10,176,869 10,547,431 10,972,976 1990 3,309,451 3,410,086 3,494,014 3,596,336 3,762,810 3,973,819 4,110,345 1991 3,387,987 3,678,225 4,344,516 4,680,982 5,065,231 5,409,941 1992 6,785,998 7,173,720 7,793,482 8,423,786 9,008,002 1993 12,173,705 12,911,791 13,600,240 14,210,309 1994 5,054,951 5,247,330 5,427,621 1995 6,061,794 6,512,749 1996 6,519,345 19971998199920002001200220032004200520062007200820092010201120122013201420152016

243:255 255:267 267:279 279:291 291:303 303:315 315:327 327:Ult.---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1.022 1.021 1.034 1.030 1.040 1.036 1.040 1990 1.030 1.025 1.029 1.046 1.056 1.034 1991 1.086 1.181 1.077 1.082 1.068 1992 1.057 1.086 1.081 1.069 1993 1.061 1.053 1.045 1994 1.038 1.034 1995 1.074 19961997199819992000200120022003200420052006200720082009201020112012201320142015

Simple Avg. - Incremental 1.053 1.067 1.053 1.057 1.055 1.035 1.040 Wtd Avg. All - Incremental 1.052 1.059 1.052 1.054 1.051 1.036 1.040 Wtd Latest Five - Incremental 1.062 1.069 1.052 1.054 1.051 1.036 1.040 Wtd Avg. All - Cumulative 4.544 4.321 4.081 3.881 3.681 3.502 3.381 3.250 Wtd Latest Five - Cumulative 4.632 4.363 4.081 3.881 3.681 3.502 3.381 3.250 Selected Incremental - Prior 3/31/15 1.050 1.050 1.050 1.045 1.045 1.035 3.450 Selected - Incremental 1.050 1.050 1.045 1.045 1.040 1.040 1.040 3.250 Selected - Cumulative 4.401 4.192 3.992 3.820 3.656 3.515 3.380 3.250

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IXSheet 1a

Loss & ALAE - Case Outstanding & Paid Incremental - Adjusted to Birth Year Cost Basis


Year ofBirth 3 15 27 39 51 63 75 87 99 111

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

Case Oustanding Loss & ALAE - Adjusted to Birth Year Cost Level (a)

1989 - 21,779,721 24,776,021 20,613,512 18,385,663 11,339,214 12,503,585 13,541,598 1990 - 12,080,580 21,055,315 17,476,627 24,548,048 14,643,675 14,562,194 11,299,923 10,783,190 1991 - 6,267,606 7,826,512 6,940,986 10,524,894 6,519,162 6,909,587 6,669,947 6,486,097 6,980,743 1992 - 10,253,033 11,196,982 38,305,506 15,423,817 15,775,363 13,110,639 13,468,988 13,936,468 13,142,024 1993 - 6,031,371 16,705,642 20,573,021 22,909,032 22,837,237 30,283,329 31,640,591 39,553,357 50,743,968 1994 - 6,485,397 3,670,224 5,706,796 6,347,308 7,967,517 15,069,679 15,119,688 13,046,186 6,663,270 1995 - 1,146,407 2,151,933 9,133,675 12,448,103 11,057,120 14,552,782 18,107,100 18,071,536 18,478,102 1996 - 1,207,548 3,567,538 6,991,098 7,181,777 15,198,167 23,751,572 21,439,025 21,709,555 26,931,164 1997 - 1,148,995 11,945,211 12,151,583 13,236,110 21,989,958 25,803,642 26,788,311 20,411,090 23,159,371 1998 - 10,399,457 10,394,844 18,003,892 26,362,950 31,652,064 35,115,737 33,410,951 35,650,627 39,805,216 1999 - 5,922,530 7,196,433 11,386,788 22,682,445 25,145,380 22,452,130 22,202,242 19,905,221 19,731,987 2000 - 8,996,218 20,434,809 20,065,381 23,519,926 13,394,769 12,627,524 13,679,447 13,164,518 12,881,425 2001 - 149,259 6,996,778 10,902,217 8,779,988 12,828,023 14,067,310 16,630,021 15,436,606 15,176,143 2002 - 5,698,921 13,247,681 25,241,541 24,598,962 29,422,446 33,366,628 38,129,558 52,394,608 49,761,590 2003 - 4,986 15,328 6,367,616 11,173,149 8,758,927 7,278,308 8,131,170 10,219,342 10,906,008 2004 - 156,614 6,171,433 11,476,366 19,054,005 23,261,165 21,735,765 17,121,341 17,278,276 15,741,685 2005 - 54,504 7,179,324 21,816,825 27,697,322 34,595,259 43,058,382 40,738,996 36,754,296 25,581,510 2006 - 2,993,692 6,486,419 18,281,553 28,609,237 34,300,033 39,770,264 36,009,282 35,109,014 36,454,986 2007 - 147,005 6,174,488 18,410,014 27,950,323 37,024,184 34,978,048 31,068,889 30,863,936 29,412,486 2008 - 4,571,231 20,779,117 29,742,936 41,360,152 39,501,366 43,157,413 43,420,047 44,706,951 2009 - 2,172,842 13,487,359 35,772,845 39,693,342 42,361,898 37,125,414 39,139,968 2010 - 3,052,382 13,719,051 22,418,777 27,901,629 22,560,215 22,636,483 2011 2,640,000 10,602,303 16,314,653 29,481,055 34,257,691 37,259,845 2012 3,639,942 10,987,450 18,342,553 32,863,963 26,648,504 2013 25,000 10,785,549 19,118,995 18,925,774 2014 - 14,246,532 21,072,265 2015 - 2,165,923 2016 2,640,000

Incremental Paid Loss & ALAE - Adjusted to Birth Year Cost Level (b)

1989 - 1,369,815 780,303 961,023 425,846 330,877 391,626 539,663 1990 - 370,151 552,409 54,069 288,980 180,390 139,286 77,260 101,505 1991 - 2,093 215,131 37,158 386,347 295,652 125,160 85,017 43,904 33,846 1992 - 11,589 236,180 648,042 922,165 424,423 316,115 250,266 231,667 173,746 1993 - 1,750 219,677 713,838 627,431 844,804 707,686 765,467 725,334 741,615 1994 - 197,193 547,038 480,973 478,255 254,821 727,727 278,317 309,088 177,757 1995 - 2,544 128,915 614,841 406,044 74,407 97,480 139,080 86,140 185,568 1996 - 4,350 634,055 221,187 531,849 274,719 655,566 425,612 257,201 293,896 1997 - 12,552 568,993 376,438 284,211 408,922 655,490 380,542 293,193 304,638 1998 - 33,829 729,485 777,660 756,850 485,213 408,897 1,245,014 554,266 674,539 1999 - 521,547 461,379 307,646 561,349 585,858 445,496 365,575 601,332 852,210 2000 - 326,833 497,532 523,552 461,356 272,163 191,986 130,040 160,932 143,951 2001 - 117,765 378,369 632,002 433,239 390,110 816,640 436,483 264,985 201,528 2002 - 121,823 550,471 701,194 672,686 804,920 597,535 1,239,723 800,284 808,088 2003 - 215,016 267,824 101,924 108,848 301,697 505,832 152,197 145,823 231,281 2004 - 3,768 355,045 604,803 450,985 268,026 403,529 334,032 315,344 161,020 2005 - 24 23,200 747,228 749,826 498,824 1,008,204 622,297 508,282 406,177 2006 - 1,891 280,989 350,323 836,517 638,183 1,534,985 692,664 589,654 505,854 2007 - 113,471 441,409 758,304 928,165 727,215 893,254 779,698 735,386 771,504 2008 - 5,182 342,835 549,380 579,667 323,333 326,956 495,842 544,679 2009 - 325,459 389,390 989,961 883,209 502,719 520,519 732,744 2010 - 119,093 926,517 178,873 622,176 227,968 156,826 2011 - 17,682 198,998 989,173 501,724 777,372 2012 58 22,277 239,568 739,737 696,961 2013 - 133,032 778,875 1,027,713 2014 - 165,996 799,213 2015 - 607 2016 -

Notes: (a) Historical cost level case outstanding by birth year and maturity as shown in Exhibit IX, Sheets 2a, 2b and 2c is adjusted to birth level cost level using factors shown in Exhibit IX, Sheets 5a, 5b and 5c. (b) Historical cost level incremental loss payments by birth year and maturity as shown in Exhibit IX, Sheets 2a, 2b and 2c are adjusted to birth level cost level using factors shown in Exhibit IX, Sheets 5a, 5b and 5c.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IXSheet 1b



Year ofBirth 123 135 147 159 171 183 195 207 219 231

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 13,717,267 11,377,611 8,621,730 14,665,259 9,991,598 10,363,764 11,012,086 12,474,522 15,960,039 15,141,477 1990 10,906,232 11,362,250 13,834,869 16,652,683 15,710,834 16,465,775 16,020,753 13,110,104 9,442,168 8,936,475 1991 7,039,775 11,097,026 11,525,154 10,786,492 12,875,096 12,997,209 14,681,021 16,303,446 16,921,345 15,167,751 1992 17,022,097 18,255,464 19,364,768 19,759,115 24,656,098 32,167,230 31,649,514 31,645,099 31,969,040 31,586,957 1993 46,764,734 41,599,022 43,368,517 44,921,499 40,588,058 36,967,811 30,144,282 28,003,078 28,112,823 24,038,599 1994 6,244,238 6,556,159 7,036,956 7,767,871 7,107,981 9,632,114 8,913,720 9,164,538 10,759,122 11,123,929 1995 18,874,012 21,169,716 20,729,890 18,800,056 21,271,519 22,033,504 19,774,830 18,069,911 16,443,611 17,352,039 1996 24,761,552 27,478,670 26,384,403 24,666,429 22,819,566 22,474,911 14,839,202 16,637,224 15,635,980 15,371,427 1997 22,845,829 22,798,818 22,213,269 27,622,846 31,396,338 28,988,073 26,707,921 24,549,238 22,875,192 22,506,288 1998 39,807,831 41,530,503 38,712,195 43,763,726 41,502,050 42,678,641 43,224,555 42,911,930 43,086,645 1999 21,242,049 16,848,869 19,724,525 16,267,278 15,620,624 15,516,415 12,220,318 12,176,563 2000 16,435,910 15,083,582 11,341,183 13,216,354 10,915,457 10,877,745 10,572,844 2001 16,763,251 15,009,671 16,973,873 15,906,782 16,200,838 16,005,904 2002 57,163,292 54,953,276 48,063,377 46,301,860 45,972,473 2003 10,340,697 9,508,836 9,543,343 8,914,841 2004 16,223,432 16,052,394 15,688,508 2005 21,614,065 20,918,507 2006 36,713,515 2007200820092010201120122013201420152016


1989 301,815 320,015 1,156,208 205,105 366,711 277,745 317,614 343,131 298,316 257,234 1990 64,105 63,490 90,257 123,783 213,254 235,255 256,430 234,363 102,800 84,537 1991 98,229 88,299 122,085 105,570 100,968 120,884 119,061 247,003 421,311 368,392 1992 206,548 235,163 321,681 293,056 279,019 265,041 305,286 340,439 364,840 506,259 1993 766,788 669,491 598,008 760,866 725,703 549,781 542,578 496,491 583,040 531,121 1994 52,512 211,821 462,610 58,640 66,064 134,804 112,451 129,305 105,326 104,285 1995 207,075 640,346 238,572 322,935 361,586 94,915 1,018,482 243,388 267,368 457,307 1996 306,853 252,514 302,606 263,248 293,647 344,858 347,302 241,067 289,557 287,981 1997 209,520 363,612 483,171 543,120 472,426 481,632 748,237 454,444 399,656 437,004 1998 508,562 699,212 717,576 813,346 811,752 784,995 1,046,384 958,315 953,314 1999 576,245 500,451 619,769 568,457 416,782 504,663 501,112 377,461 2000 127,545 248,269 194,049 186,763 249,745 242,830 206,942 2001 247,686 260,649 290,784 370,259 352,378 415,896 2002 707,640 858,149 994,868 836,408 886,054 2003 227,898 207,965 326,397 355,019 2004 270,719 274,829 258,246 2005 380,761 369,433 2006 509,235 2007200820092010201120122013201420152016


Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IXSheet 1c



Year ofBirth 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 14,022,261 12,149,426 12,437,598 11,628,195 11,512,651 10,193,942 9,139,716 9,051,499 1990 7,739,134 5,281,106 5,241,575 5,449,740 4,557,206 4,094,246 4,010,247 1991 14,939,485 15,313,627 16,709,290 14,908,048 14,736,796 14,598,925 1992 31,752,092 33,678,160 30,641,219 28,381,438 27,848,118 1993 25,142,885 20,876,277 20,274,735 20,049,771 1994 10,766,009 10,575,187 10,676,634 1995 16,984,975 16,331,343 1996 15,262,572 19971998199920002001200220032004200520062007200820092010201120122013201420152016


1989 156,788 197,842 190,199 308,635 287,789 392,571 370,562 425,545 1990 77,125 100,635 83,928 102,322 166,474 211,009 136,527 1991 371,877 290,238 666,291 336,466 384,250 344,709 1992 454,473 387,722 619,762 630,305 584,216 1993 602,237 738,086 688,449 610,069 1994 165,966 192,379 180,291 1995 474,800 450,955 1996 291,277 19971998199920002001200220032004200520062007200820092010201120122013201420152016



Loss & ALAE - Case Outstanding & Incremental Loss & ALAE Payments - Actual


Year ofBirth 3 15 27 39 51 63 75 87 99 111

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

Case Oustanding Loss & ALAE - Actual

1989 - 22,232,404 25,406,833 21,224,924 19,003,049 11,761,110 13,012,345 14,127,207 1990 - 12,232,782 21,418,253 17,850,693 25,168,903 15,066,722 15,033,190 11,694,057 11,190,522 1991 - 6,300,000 7,903,000 7,037,527 10,711,900 6,658,278 7,080,727 6,851,940 6,681,715 7,217,376 1992 - 10,300,000 11,294,344 38,785,651 15,671,953 16,082,970 13,399,115 13,803,862 14,334,796 13,569,968 1993 - 6,056,075 16,837,910 20,808,677 23,249,240 23,233,303 30,894,728 32,396,531 40,655,103 52,324,934 1994 - 6,510,081 3,697,122 5,767,920 6,431,049 8,095,219 15,366,776 15,477,449 13,397,774 6,867,049 1995 - 1,150,430 2,166,735 9,219,087 12,599,663 11,232,358 14,840,643 18,524,570 18,553,590 19,025,736 1996 - 1,211,602 3,588,307 7,051,472 7,270,084 15,444,595 24,214,206 21,933,935 22,274,792 28,997,821 1997 - 1,151,817 12,008,052 12,259,838 13,405,717 22,343,265 26,310,972 27,393,810 21,903,867 25,068,338 1998 - 10,428,552 10,461,754 18,189,917 26,720,887 32,195,306 35,821,480 35,766,633 38,494,668 45,068,339 1999 - 5,944,022 7,250,505 11,509,189 23,007,372 25,579,178 23,968,089 23,906,548 22,474,250 22,390,578 2000 - 9,031,040 20,579,790 20,279,228 23,839,172 14,247,476 13,547,685 15,389,113 14,884,227 15,227,079 2001 - 149,738 7,044,080 11,007,590 9,302,910 13,709,727 15,764,431 18,729,937 18,177,188 17,930,277 2002 - 5,719,082 13,332,903 26,659,269 26,205,553 32,866,501 37,459,614 44,755,263 61,704,898 58,792,497 2003 - 5,000 16,132 6,759,581 12,437,029 9,798,695 8,512,931 9,542,286 12,031,422 12,894,159 2004 - 164,353 6,532,474 12,737,794 21,254,573 27,128,697 25,434,494 20,099,283 20,369,315 20,382,047 2005 - 54,976 7,593,218 23,190,503 30,781,356 38,576,007 48,167,377 45,765,567 45,347,900 31,748,838 2006 - 3,139,101 6,835,644 20,142,756 31,627,348 38,040,451 44,293,787 44,047,307 43,199,240 44,938,549 2007 - 147,743 6,487,966 19,409,416 29,562,406 39,325,267 40,803,959 36,457,346 36,284,010 34,633,035 2008 - 4,779,303 21,797,624 31,301,166 43,711,130 45,850,342 50,389,315 50,789,971 52,379,047 2009 - 2,180,113 13,576,013 36,160,301 44,067,333 47,307,184 41,536,282 43,860,305 2010 - 3,062,200 13,821,396 24,806,204 31,054,929 25,156,421 25,281,884 2011 2,640,000 10,647,152 17,994,161 32,707,654 38,077,558 41,480,779 2012 3,639,942 12,067,504 20,264,361 36,374,556 29,542,379 2013 25,000 10,849,128 19,267,363 19,103,183 2014 - 14,272,952 21,145,147 2015 - 2,169,391 2016 2,640,000

Incremental Paid Loss & ALAE - Actual

1989 - 1,438,241 831,556 1,039,909 466,440 366,127 437,875 608,899 1990 - 381,965 578,580 57,502 311,090 196,179 153,060 85,675 113,611 1991 - 2,124 221,592 38,863 409,020 316,205 135,259 92,715 48,327 37,616 1992 - 11,763 243,408 676,047 971,861 451,968 339,702 271,450 253,711 192,170 1993 - 1,777 225,788 741,202 658,288 894,438 756,259 825,931 790,406 816,946 1994 - 199,606 559,398 496,978 498,678 268,183 773,307 298,688 335,323 195,081 1995 - 2,570 131,595 633,347 422,171 78,112 103,350 149,061 93,392 203,390 1996 - 4,395 646,523 227,642 552,673 288,313 695,495 456,772 279,047 323,367 1997 - 12,667 579,545 387,133 295,191 429,344 696,207 408,597 319,258 336,040 1998 - 34,145 743,429 800,401 787,464 510,694 435,073 1,343,441 605,873 745,237 1999 - 526,599 470,478 317,129 585,363 617,597 476,269 395,917 658,212 943,839 2000 - 330,081 507,948 540,711 481,683 288,171 205,925 140,975 176,525 173,605 2001 - 119,047 386,924 653,355 454,207 414,317 876,597 474,064 316,428 250,909 2002 - 123,236 562,940 727,213 706,732 854,711 641,992 1,464,453 985,649 1,003,581 2003 - 217,366 274,578 105,855 114,256 320,428 590,677 185,301 179,024 286,618 2004 - 3,821 364,753 627,990 473,806 309,599 485,988 405,652 386,569 198,823 2005 - 24 23,754 774,098 854,059 592,383 1,207,309 752,220 618,865 497,334 2006 - 1,911 287,351 393,892 980,642 754,390 1,831,606 832,519 712,706 614,557 2007 - 114,811 491,050 879,540 1,085,556 858,552 1,062,241 932,429 883,952 930,903 2008 - 5,697 393,004 635,038 676,367 380,013 386,437 589,056 649,542 2009 - 339,332 409,381 1,050,602 944,120 540,419 562,426 794,757 2010 - 120,088 943,073 183,392 641,491 236,252 163,145 2011 - 17,848 202,334 1,011,428 515,646 801,988 2012 58 22,439 242,669 753,160 712,313 2013 - 133,782 787,288 1,042,774 2014 - 166,848 806,379 2015 - 609 2016 -




Year ofBirth 123 135 147 159 171 183 195 207 219 231

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 14,350,510 11,946,040 9,087,514 15,507,185 10,602,587 11,029,241 12,298,303 14,052,180 18,851,760 17,974,733 1990 11,359,284 11,880,053 14,511,811 17,529,295 16,585,581 18,241,524 17,902,185 15,361,280 11,119,091 11,002,596 1991 7,306,582 11,554,592 12,042,826 11,303,504 14,158,944 14,416,992 17,075,718 19,058,047 20,680,700 18,599,541 1992 17,632,837 18,977,354 20,188,604 21,617,675 27,208,840 37,221,811 36,806,723 38,476,710 39,000,643 38,658,463 1993 48,392,314 43,171,015 47,231,442 49,346,352 46,751,682 42,795,586 36,484,765 34,006,589 34,249,669 29,409,952 1994 6,453,769 7,111,004 7,698,577 8,910,987 8,194,950 11,610,557 10,780,555 11,119,554 13,109,521 14,886,368 1995 20,393,691 23,072,296 23,690,321 21,592,820 25,543,481 26,547,024 23,902,298 21,933,915 21,921,884 23,269,324 1996 26,892,568 31,293,078 30,197,857 29,516,611 27,397,964 27,070,951 17,949,375 22,102,438 20,894,742 20,579,305 1997 25,930,080 26,006,718 26,492,141 33,053,975 37,690,239 34,946,402 35,362,565 32,695,974 30,522,890 30,078,739 1998 45,297,722 49,409,037 46,210,185 52,408,148 49,909,970 56,370,109 57,427,699 57,118,077 57,442,464 1999 25,201,259 20,056,137 23,554,707 19,508,293 20,574,217 20,557,435 16,220,516 16,188,318 2000 19,493,829 17,947,440 13,551,569 17,344,566 14,409,413 14,386,259 14,005,406 2001 19,869,112 17,865,889 22,189,879 20,917,457 21,343,650 21,120,601 2002 67,823,176 71,610,223 63,001,125 60,804,693 60,468,805 2003 13,427,575 12,420,176 12,488,363 11,684,590 2004 21,129,630 20,945,638 20,503,608 2005 26,874,646 26,051,446 2006 45,329,710 2007200820092010201120122013201420152016


1989 343,716 367,973 1,342,692 240,779 435,487 333,440 386,693 423,200 371,866 324,443 1990 72,446 72,464 104,135 144,473 251,618 281,501 310,835 287,127 127,432 115,216 1991 110,256 100,190 140,131 122,499 118,816 144,104 143,451 301,117 564,703 514,820 1992 230,937 265,981 367,813 339,819 327,756 314,668 366,731 449,638 502,406 702,974 1993 854,471 754,201 683,196 880,574 848,868 650,686 706,037 673,604 797,640 733,464 1994 58,260 238,327 527,278 67,553 77,004 172,757 150,253 174,218 143,247 142,862 1995 230,171 721,036 271,510 371,862 457,785 125,289 1,355,648 327,016 361,846 622,391 1996 342,019 284,465 344,923 329,909 383,692 454,372 461,908 322,946 390,093 389,961 1997 233,591 410,176 599,261 702,326 616,016 633,943 992,016 605,901 535,588 587,873 1998 568,501 859,370 919,533 1,050,969 1,058,802 1,031,341 1,382,510 1,272,650 1,270,837 1999 701,686 635,368 793,429 734,603 542,510 660,606 659,326 498,528 2000 160,376 314,785 248,358 240,771 323,781 316,432 270,694 2001 310,956 330,316 371,183 475,297 454,666 538,668 2002 887,121 1,083,620 1,263,344 1,067,574 1,135,254 2003 284,477 261,060 411,831 449,653 2004 336,161 343,017 323,548 2005 468,607 456,399 2006 621,024 2007200820092010201120122013201420152016




Year ofBirth 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 17,403,782 15,129,760 15,538,440 14,588,695 15,863,537 14,129,260 12,691,548 12,589,175 1990 9,560,311 6,544,841 6,523,329 7,449,100 6,265,839 5,639,741 5,532,879 1991 18,378,552 18,918,511 22,671,875 20,347,115 20,150,681 19,994,125 1992 39,024,951 45,460,993 41,605,352 38,608,434 37,943,597 1993 33,784,758 28,217,033 27,454,790 27,193,631 1994 14,492,318 14,261,849 14,421,718 1995 22,819,326 21,976,305 1996 20,466,289 19971998199920002001200220032004200520062007200820092010201120122013201420152016


1989 217,423 286,049 277,296 454,213 426,612 585,218 555,244 640,061 1990 109,595 144,199 121,394 149,073 243,905 310,741 201,822 1991 524,033 412,848 954,650 484,801 556,493 501,132 1992 637,019 547,404 879,943 899,506 836,912 1993 837,717 1,032,472 967,981 861,047 1994 228,642 266,391 250,604 1995 649,517 619,250 1996 395,929 19971998199920002001200220032004200520062007200820092010201120122013201420152016


Incurred Loss & ALAE - Actual - Without Retroactive Payments


Year ofBirth 3 15 27 39 51 63 75 87 99 111

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 23,670,645 27,676,630 24,534,630 22,779,195 15,903,383 17,592,493 19,316,2541990 12,614,747 22,378,798 18,868,740 26,498,040 16,592,038 16,711,566 13,458,108 13,068,1841991 6,302,124 8,126,716 7,300,106 11,383,499 7,646,082 8,203,790 8,067,718 7,945,820 8,519,0971992 0 10,311,763 11,549,515 39,716,869 17,575,032 18,438,017 16,093,864 16,770,061 17,554,706 16,982,0481993 0 6,057,852 17,065,475 21,777,444 24,876,295 25,754,796 34,172,480 36,500,214 45,549,192 58,035,9691994 0 6,709,687 4,456,126 7,023,902 8,185,709 10,118,062 18,162,926 18,572,287 16,827,935 10,492,2911995 0 1,153,000 2,300,900 9,986,599 13,789,346 12,500,153 16,211,788 20,044,776 20,167,188 20,842,7241996 0 1,215,997 4,239,225 7,930,032 8,701,317 17,164,141 26,629,247 24,805,748 25,425,652 32,472,0481997 0 1,164,484 12,600,264 13,239,183 14,680,253 24,047,145 28,711,059 30,202,494 25,031,809 28,532,3201998 0 10,462,697 11,239,328 19,767,892 29,086,326 35,071,439 39,132,686 40,421,280 43,755,188 51,074,0961999 0 6,470,621 8,247,582 12,823,395 24,906,941 28,096,344 26,961,524 27,295,900 26,521,814 27,381,9812000 0 9,361,121 21,417,819 21,657,968 25,699,595 16,396,070 15,902,204 17,884,607 17,556,246 18,072,7032001 0 268,785 7,550,051 12,166,916 10,916,443 15,737,577 18,668,878 22,108,448 21,872,127 21,876,1252002 0 5,842,318 14,019,079 28,072,658 28,325,674 35,841,333 41,076,438 49,836,540 67,771,825 65,863,0042003 0 222,366 508,076 7,357,380 13,149,084 10,831,178 10,136,091 11,350,748 14,018,907 15,168,2632004 0 168,174 6,901,048 13,734,358 22,724,943 28,908,666 27,700,451 22,770,892 23,427,494 23,639,0482005 0 55,000 7,616,996 23,988,379 32,433,291 40,820,325 51,619,003 49,969,413 50,170,611 37,068,8832006 0 3,141,012 7,124,906 20,825,910 33,291,144 40,458,637 48,543,579 49,129,618 48,994,258 51,348,1242007 0 262,554 7,093,827 20,894,817 32,133,364 42,754,777 45,295,710 41,881,526 42,592,143 41,872,0712008 0 4,785,000 22,196,324 32,334,905 45,421,237 47,940,461 52,865,872 53,855,584 56,094,2022009 0 2,519,445 14,324,726 37,959,615 46,810,768 50,591,038 45,382,562 48,501,3422010 0 3,182,288 14,884,557 26,052,758 32,942,974 27,280,718 27,569,3252011 2,640,000 10,665,000 18,214,344 33,939,264 39,824,814 44,030,0242012 3,640,000 12,090,000 20,529,526 37,392,881 31,273,0172013 25,000 10,982,911 20,188,433 21,067,0262014 0 14,439,800 22,118,3742015 0 2,170,0002016 2,640,000

3:15 15:27 27:39 39:51 51:63 63:75 75:87 87:99 99:111 111:123---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1.169 0.886 0.928 0.698 1.106 1.098 1.029 1990 1.774 0.843 1.404 0.626 1.007 0.805 0.971 1.018 1991 1.290 0.898 1.559 0.672 1.073 0.983 0.985 1.072 1.023 1992 1.120 3.439 0.443 1.049 0.873 1.042 1.047 0.967 1.253 1993 2.817 1.276 1.142 1.035 1.327 1.068 1.248 1.274 0.947 1994 0.664 1.576 1.165 1.236 1.795 1.023 0.906 0.624 0.966 1995 1.996 4.340 1.381 0.907 1.297 1.236 1.006 1.033 1.077 1996 3.486 1.871 1.097 1.973 1.551 0.932 1.025 1.277 0.946 1997 10.820 1.051 1.109 1.638 1.194 1.052 0.829 1.140 1.038 1998 1.074 1.759 1.471 1.206 1.116 1.033 1.082 1.167 1.016 1999 1.275 1.555 1.942 1.128 0.960 1.012 0.972 1.032 1.128 2000 2.288 1.011 1.187 0.638 0.970 1.125 0.982 1.029 1.245 2001 28.090 1.612 0.897 1.442 1.186 1.184 0.989 1.000 1.103 2002 2.400 2.002 1.009 1.265 1.146 1.213 1.360 0.972 1.151 2003 2.285 14.481 1.787 0.824 0.936 1.120 1.235 1.082 1.054 2004 41.035 1.990 1.655 1.272 0.958 0.822 1.029 1.009 1.046 2005 138.491 3.149 1.352 1.259 1.265 0.968 1.004 0.739 0.881 2006 2.268 2.923 1.599 1.215 1.200 1.012 0.997 1.048 1.020 2007 27.019 2.945 1.538 1.331 1.059 0.925 1.017 0.983 2008 4.639 1.457 1.405 1.055 1.103 1.019 1.042 2009 5.686 2.650 1.233 1.081 0.897 1.069 2010 4.677 1.750 1.264 0.828 1.011 2011 4.040 1.708 1.863 1.173 1.106 2012 3.321 1.698 1.821 0.836 2013 439.316 1.838 1.044 2014 1.532 2015

Simple Avg. - Incremental 148.893 12.091 2.510 1.261 1.150 1.112 1.026 1.033 1.027 1.052 Wtd Avg. All - Incremental 19.620 2.226 1.816 1.185 1.121 1.087 1.019 1.049 1.028 1.043 Wtd Latest Five - Incremental 7.985 1.868 1.775 1.171 1.078 1.051 0.998 1.017 0.944 1.044 Wtd Avg. All - Cumulative 8.851 3.977 2.190 1.849 1.649 1.518 1.489 1.419 1.380 Wtd Latest Five - Cumulative 5.016 2.685 1.513 1.293 1.199 1.141 1.143 1.124 1.191




Year ofBirth 123 135 147 159 171 183 195 207 219 231

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 19,883,273 17,846,776 16,330,942 22,991,392 18,522,281 19,282,375 20,938,130 23,115,207 28,286,653 27,734,0691990 13,309,392 13,902,625 16,638,518 19,800,475 19,108,379 21,045,823 21,017,319 18,763,541 14,648,784 14,647,5051991 8,718,559 13,066,759 13,695,124 13,078,301 16,052,557 16,454,709 19,256,886 21,540,332 23,727,688 22,161,3491992 21,275,854 22,886,352 24,465,415 26,234,305 32,153,226 42,480,865 42,432,508 44,552,133 45,578,473 45,939,2671993 54,957,820 50,490,722 55,234,345 58,229,829 56,484,027 53,178,617 47,573,833 45,769,261 46,809,981 42,703,7271994 10,137,271 11,032,833 12,147,684 13,427,647 12,788,614 16,376,978 15,697,230 16,210,446 18,343,661 20,263,3691995 22,440,850 25,840,491 26,730,026 25,004,387 29,412,833 30,541,666 29,252,587 27,611,220 27,961,036 29,930,8671996 30,708,814 35,393,789 34,643,491 34,292,154 32,557,199 32,684,558 24,024,889 28,500,898 27,683,295 27,757,8201997 29,627,653 30,114,467 31,199,151 38,463,312 43,715,591 41,605,698 43,013,876 40,953,186 39,315,690 39,459,4121998 51,871,980 56,842,665 54,563,346 61,812,278 60,372,902 67,864,382 70,304,482 71,267,510 72,862,7331999 30,894,348 26,384,594 30,676,593 27,364,783 28,973,217 29,617,041 25,939,447 26,405,7782000 22,499,830 21,268,225 17,120,713 21,154,481 18,543,108 18,836,387 18,726,2272001 24,125,916 22,453,008 27,148,181 26,351,057 27,231,916 27,547,5342002 75,780,805 80,651,472 73,305,718 72,176,860 72,976,2252003 15,986,156 15,239,817 15,719,835 15,365,7142004 24,722,792 24,881,817 24,763,3352005 32,663,299 32,296,4972006 52,360,3082007200820092010201120122013201420152016

123:135 135:147 147:159 159:171 171:183 183:195 195:207 207:219 219:231 231:243---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 0.898 0.915 1.408 0.806 1.041 1.086 1.104 1.224 0.980 0.987 1990 1.045 1.197 1.190 0.965 1.101 0.999 0.893 0.781 1.000 0.909 1991 1.499 1.048 0.955 1.227 1.025 1.170 1.119 1.102 0.934 1.014 1992 1.076 1.069 1.072 1.226 1.321 0.999 1.050 1.023 1.008 1.022 1993 0.919 1.094 1.054 0.970 0.941 0.895 0.962 1.023 0.912 1.122 1994 1.088 1.101 1.105 0.952 1.281 0.958 1.033 1.132 1.105 0.992 1995 1.151 1.034 0.935 1.176 1.038 0.958 0.944 1.013 1.070 1.007 1996 1.153 0.979 0.990 0.949 1.004 0.735 1.186 0.971 1.003 1.010 1997 1.016 1.036 1.233 1.137 0.952 1.034 0.952 0.960 1.004 1998 1.096 0.960 1.133 0.977 1.124 1.036 1.014 1.022 1999 0.854 1.163 0.892 1.059 1.022 0.876 1.018 2000 0.945 0.805 1.236 0.877 1.016 0.994 2001 0.931 1.209 0.971 1.033 1.012 2002 1.064 0.909 0.985 1.011 2003 0.953 1.031 0.977 2004 1.006 0.995 2005 0.989 2006200720082009201020112012201320142015

Simple Avg. - Incremental 1.040 1.034 1.076 1.026 1.068 0.978 1.025 1.025 1.002 1.008 Wtd Avg. All - Incremental 1.022 1.013 1.058 1.018 1.055 0.970 1.015 1.020 0.994 1.022 Wtd Latest Five - Incremental 1.013 0.961 0.990 0.996 1.037 0.955 1.011 1.009 1.000 1.039 Wtd Avg. All - Cumulative 1.324 1.295 1.278 1.208 1.186 1.125 1.160 1.143 1.120 1.127 Wtd Latest Five - Cumulative 1.141 1.126 1.172 1.183 1.188 1.145 1.199 1.186 1.176 1.176




Year ofBirth 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 27,380,541 25,392,567 26,078,544 25,583,011 27,284,465 26,135,406 25,252,938 25,790,6261990 13,314,815 10,443,544 10,543,426 11,618,270 10,678,914 10,363,557 10,458,5161991 22,464,393 23,417,200 28,125,214 26,285,256 26,645,315 26,989,8901992 46,942,773 53,926,220 50,950,521 48,853,110 49,025,1851993 47,916,250 43,380,997 43,586,735 44,186,6231994 20,097,961 20,133,882 20,544,3551995 30,130,385 29,906,6141996 28,040,73219971998199920002001200220032004200520062007200820092010201120122013201420152016

243:255 255:267 267:279 279:291 291:303 303:315 315:327 327:Ult.---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 0.927 1.027 0.981 1.067 0.958 0.966 1.021 1990 0.784 1.010 1.102 0.919 0.970 1.009 1991 1.042 1.201 0.935 1.014 1.013 1992 1.149 0.945 0.959 1.004 1993 0.905 1.005 1.014 1994 1.002 1.020 1995 0.993 19961997199819992000200120022003200420052006200720082009201020112012201320142015

Simple Avg. - Incremental 0.972 1.035 0.998 1.001 0.980 0.988 1.021 Wtd Avg. All - Incremental 0.992 1.018 0.983 1.012 0.983 0.978 1.021 Wtd Latest Five - Incremental 1.019 1.016 0.983 1.012 0.983 0.978 1.021 Wtd Avg. All - Cumulative 1.103 1.112 1.092 1.111 1.099 1.118 1.143 1.119 Wtd Latest Five - Cumulative 1.131 1.110 1.092 1.111 1.099 1.118 1.143 1.119


Paid Loss & ALAE - Actual - Without Retroactive Payments


Year ofBirth 3 15 27 39 51 63 75 87 99 111

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1,438,241 2,269,797 3,309,706 3,776,146 4,142,273 4,580,148 5,189,0471990 381,965 960,545 1,018,047 1,329,137 1,525,316 1,678,376 1,764,051 1,877,6621991 2,124 223,716 262,579 671,599 987,804 1,123,063 1,215,778 1,264,105 1,301,7211992 0 11,763 255,171 931,218 1,903,079 2,355,047 2,694,749 2,966,199 3,219,910 3,412,0801993 0 1,777 227,565 968,767 1,627,055 2,521,493 3,277,752 4,103,683 4,894,089 5,711,0351994 0 199,606 759,004 1,255,982 1,754,660 2,022,843 2,796,150 3,094,838 3,430,161 3,625,2421995 0 2,570 134,165 767,512 1,189,683 1,267,795 1,371,145 1,520,206 1,613,598 1,816,9881996 0 4,395 650,918 878,560 1,431,233 1,719,546 2,415,041 2,871,813 3,150,860 3,474,2271997 0 12,667 592,212 979,345 1,274,536 1,703,880 2,400,087 2,808,684 3,127,942 3,463,9821998 0 34,145 777,574 1,577,975 2,365,439 2,876,133 3,311,206 4,654,647 5,260,520 6,005,7571999 0 526,599 997,077 1,314,206 1,899,569 2,517,166 2,993,435 3,389,352 4,047,564 4,991,4032000 0 330,081 838,029 1,378,740 1,860,423 2,148,594 2,354,519 2,495,494 2,672,019 2,845,6242001 0 119,047 505,971 1,159,326 1,613,533 2,027,850 2,904,447 3,378,511 3,694,939 3,945,8482002 0 123,236 686,176 1,413,389 2,120,121 2,974,832 3,616,824 5,081,277 6,066,926 7,070,5072003 0 217,366 491,944 597,799 712,055 1,032,483 1,623,160 1,808,461 1,987,485 2,274,1032004 0 3,821 368,574 996,564 1,470,370 1,779,969 2,265,957 2,671,609 3,058,178 3,257,0012005 0 24 23,778 797,876 1,651,935 2,244,318 3,451,627 4,203,846 4,822,711 5,320,0452006 0 1,911 289,262 683,154 1,663,796 2,418,186 4,249,792 5,082,311 5,795,018 6,409,5752007 0 114,811 605,861 1,485,401 2,570,958 3,429,510 4,491,751 5,424,181 6,308,133 7,239,0362008 0 5,697 398,701 1,033,739 1,710,106 2,090,120 2,476,557 3,065,613 3,715,1552009 0 339,332 748,713 1,799,315 2,743,435 3,283,854 3,846,280 4,641,0372010 0 120,088 1,063,161 1,246,554 1,888,045 2,124,297 2,287,4412011 0 17,848 220,183 1,231,610 1,747,256 2,549,2452012 58 22,496 265,165 1,018,325 1,730,6382013 0 133,782 921,070 1,963,8442014 0 166,848 973,2272015 0 6092016 0

3:15 15:27 27:39 39:51 51:63 63:75 75:87 87:99 99:111 111:123---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1.578 1.458 1.141 1.097 1.106 1.133 1.066 1990 2.515 1.060 1.306 1.148 1.100 1.051 1.064 1.039 1991 105.328 1.174 2.558 1.471 1.137 1.083 1.040 1.030 1.085 1992 21.693 3.649 2.044 1.237 1.144 1.101 1.086 1.060 1.068 1993 128.061 4.257 1.680 1.550 1.300 1.252 1.193 1.167 1.150 1994 3.803 1.655 1.397 1.153 1.382 1.107 1.108 1.057 1.016 1995 52.204 5.721 1.550 1.066 1.082 1.109 1.061 1.126 1.127 1996 148.104 1.350 1.629 1.201 1.404 1.189 1.097 1.103 1.098 1997 46.752 1.654 1.301 1.337 1.409 1.170 1.114 1.107 1.067 1998 22.773 2.029 1.499 1.216 1.151 1.406 1.130 1.142 1.095 1999 1.893 1.318 1.445 1.325 1.189 1.132 1.194 1.233 1.141 2000 2.539 1.645 1.349 1.155 1.096 1.060 1.071 1.065 1.056 2001 4.250 2.291 1.392 1.257 1.432 1.163 1.094 1.068 1.079 2002 5.568 2.060 1.500 1.403 1.216 1.405 1.194 1.165 1.125 2003 2.263 1.215 1.191 1.450 1.572 1.114 1.099 1.144 1.125 2004 96.460 2.704 1.475 1.211 1.273 1.179 1.145 1.065 1.103 2005 990.750 33.555 2.070 1.359 1.538 1.218 1.147 1.103 1.088 2006 151.367 2.362 2.435 1.453 1.757 1.196 1.140 1.106 1.097 2007 5.277 2.452 1.731 1.334 1.310 1.208 1.163 1.148 2008 69.984 2.593 1.654 1.222 1.185 1.238 1.212 2009 2.206 2.403 1.525 1.197 1.171 1.207 2010 8.853 1.172 1.515 1.125 1.077 2011 12.336 5.594 1.419 1.459 2012 389.211 11.787 3.840 1.699 2013 6.885 2.132 2014 5.833 2015

Simple Avg. - Incremental 389.211 79.457 3.806 1.612 1.302 1.278 1.178 1.122 1.110 1.090 Wtd Avg. All - Incremental 43,434.613 5.182 2.149 1.562 1.295 1.272 1.192 1.134 1.120 1.095 Wtd Latest Five - Incremental 5,909.765 7.467 2.256 1.551 1.264 1.300 1.211 1.159 1.115 1.107 Wtd Avg. All - Cumulative 521.719 100.680 46.852 29.995 23.160 18.211 15.275 13.467 12.027 Wtd Latest Five - Cumulative 857.335 114.815 50.899 32.809 25.951 19.960 16.486 14.224 12.756




Year ofBirth 123 135 147 159 171 183 195 207 219 231

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 5,532,763 5,900,736 7,243,428 7,484,207 7,919,694 8,253,134 8,639,827 9,063,027 9,434,893 9,759,3361990 1,950,108 2,022,572 2,126,707 2,271,180 2,522,798 2,804,299 3,115,134 3,402,261 3,529,693 3,644,9091991 1,411,977 1,512,167 1,652,298 1,774,797 1,893,613 2,037,717 2,181,168 2,482,285 3,046,988 3,561,8081992 3,643,017 3,908,998 4,276,811 4,616,630 4,944,386 5,259,054 5,625,785 6,075,423 6,577,829 7,280,8041993 6,565,506 7,319,707 8,002,903 8,883,477 9,732,345 10,383,031 11,089,068 11,762,672 12,560,312 13,293,7761994 3,683,502 3,921,829 4,449,107 4,516,660 4,593,664 4,766,421 4,916,674 5,090,892 5,234,139 5,377,0011995 2,047,159 2,768,195 3,039,705 3,411,567 3,869,352 3,994,641 5,350,289 5,677,305 6,039,151 6,661,5431996 3,816,246 4,100,711 4,445,634 4,775,543 5,159,235 5,613,606 6,075,514 6,398,460 6,788,554 7,178,5141997 3,697,573 4,107,749 4,707,010 5,409,336 6,025,352 6,659,295 7,651,311 8,257,212 8,792,800 9,380,6731998 6,574,258 7,433,628 8,353,161 9,404,130 10,462,932 11,494,273 12,876,783 14,149,433 15,420,2701999 5,693,089 6,328,457 7,121,886 7,856,490 8,399,000 9,059,606 9,718,932 10,217,4602000 3,006,000 3,320,785 3,569,143 3,809,914 4,133,695 4,450,127 4,720,8212001 4,256,804 4,587,119 4,958,302 5,433,600 5,888,265 6,426,9332002 7,957,628 9,041,249 10,304,592 11,372,167 12,507,4202003 2,558,581 2,819,641 3,231,471 3,681,1242004 3,593,162 3,936,179 4,259,7272005 5,788,652 6,245,0512006 7,030,5992007200820092010201120122013201420152016

123:135 135:147 147:159 159:171 171:183 183:195 195:207 207:219 219:231 231:243---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1.067 1.228 1.033 1.058 1.042 1.047 1.049 1.041 1.034 1.022 1990 1.037 1.051 1.068 1.111 1.112 1.111 1.092 1.037 1.033 1.030 1991 1.071 1.093 1.074 1.067 1.076 1.070 1.138 1.227 1.169 1.147 1992 1.073 1.094 1.079 1.071 1.064 1.070 1.080 1.083 1.107 1.087 1993 1.115 1.093 1.110 1.096 1.067 1.068 1.061 1.068 1.058 1.063 1994 1.065 1.134 1.015 1.017 1.038 1.032 1.035 1.028 1.027 1.043 1995 1.352 1.098 1.122 1.134 1.032 1.339 1.061 1.064 1.103 1.098 1996 1.075 1.084 1.074 1.080 1.088 1.082 1.053 1.061 1.057 1.055 1997 1.111 1.146 1.149 1.114 1.105 1.149 1.079 1.065 1.067 1998 1.131 1.124 1.126 1.113 1.099 1.120 1.099 1.090 1999 1.112 1.125 1.103 1.069 1.079 1.073 1.051 2000 1.105 1.075 1.067 1.085 1.077 1.061 2001 1.078 1.081 1.096 1.084 1.091 2002 1.136 1.140 1.104 1.100 2003 1.102 1.146 1.139 2004 1.095 1.082 2005 1.079 2006200720082009201020112012201320142015

Simple Avg. - Incremental 1.106 1.112 1.091 1.086 1.075 1.102 1.073 1.076 1.073 1.068 Wtd Avg. All - Incremental 1.104 1.119 1.093 1.087 1.075 1.096 1.069 1.070 1.067 1.063 Wtd Latest Five - Incremental 1.102 1.110 1.102 1.093 1.091 1.101 1.073 1.068 1.063 1.069 Wtd Avg. All - Cumulative 10.987 9.948 8.887 8.130 7.481 6.959 6.349 5.939 5.550 5.203 Wtd Latest Five - Cumulative 11.526 10.455 9.415 8.546 7.820 7.167 6.509 6.069 5.681 5.345




Year ofBirth 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 9,976,759 10,262,808 10,540,104 10,994,317 11,420,928 12,006,146 12,561,390 13,201,4511990 3,754,504 3,898,703 4,020,097 4,169,170 4,413,075 4,723,816 4,925,6371991 4,085,841 4,498,689 5,453,340 5,938,141 6,494,634 6,995,7661992 7,917,823 8,465,227 9,345,170 10,244,676 11,081,5881993 14,131,492 15,163,964 16,131,945 16,992,9921994 5,605,643 5,872,034 6,122,6381995 7,311,060 7,930,3091996 7,574,44319971998199920002001200220032004200520062007200820092010201120122013201420152016

243:255 255:267 267:279 279:291 291:303 303:315 315:327 327:Ult.---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1.029 1.027 1.043 1.039 1.051 1.046 1.051 1990 1.038 1.031 1.037 1.059 1.070 1.043 1991 1.101 1.212 1.089 1.094 1.077 1992 1.069 1.104 1.096 1.082 1993 1.073 1.064 1.053 1994 1.048 1.043 1995 1.085 19961997199819992000200120022003200420052006200720082009201020112012201320142015

Simple Avg. - Incremental 1.063 1.080 1.064 1.068 1.066 1.044 1.051 Wtd Avg. All - Incremental 1.063 1.072 1.063 1.066 1.063 1.045 1.051 Wtd Latest Five - Incremental 1.074 1.084 1.063 1.066 1.063 1.045 1.051 Wtd Avg. All - Cumulative 4.893 4.604 4.297 4.043 3.794 3.570 3.416 3.250 Wtd Latest Five - Cumulative 5.000 4.656 4.297 4.043 3.794 3.570 3.416 3.250

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IXLoss & ALAE - Case Outstanding & Incremental Payments - Inflation Adjustment Factors Sheet 5a


Year of Birth 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 C.Y Ending 3/31/1989 3/31/1990 3/31/1991 3/31/1992 3/31/1993 3/31/1994 3/31/1995 3/31/1996 3/31/1997 3/31/1998

Assumptions:I. Incremental Paid Inflation Per Year A. Accident Year - 1/1 to 12/31 (a) 1.75% 1.75% 1.49% 1.46% 1.62% 1.30% 1.00% 1.09% 0.91% 0.92% B. Accident Year - 4/1 to 3/31 (b) 1.75% 1.75% 1.68% 1.48% 1.50% 1.54% 1.22% 1.02% 1.04% 0.91%

II. Case O/S Inflation Per Year A. Accident Year - 1/1 to 12/31 (a) 0.81% 0.81% 0.53% 0.47% 0.42% 0.39% 0.35% 0.37% 0.24% 0.26% B. Accident Year - 4/1 to 3/31 0.81% 0.81% 0.74% 0.52% 0.46% 0.41% 0.38% 0.35% 0.34% 0.25%

III. Incurred Inflation Per Year - Wtd Avg. of Pd & O/S - ( 10 % / 90 %) A. Accident Year - 1/1 to 12/31 0.90% 0.90% 0.63% 0.57% 0.54% 0.48% 0.41% 0.44% 0.31% 0.32% B. Accident Year - 4/1 to 3/31 0.90% 0.90% 0.83% 0.61% 0.56% 0.52% 0.46% 0.42% 0.41% 0.31%

Year ofBirth 3 15 27 39 51 63 75 87 99 111

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

Case Oustanding Loss & ALAE - Inflation Factors - Based on Accident Year Factors

1989 1.000 1.008 1.016 1.021 1.025 1.030 1.034 1.037 1.041 1.043 1990 1.000 1.007 1.013 1.017 1.021 1.025 1.029 1.032 1.035 1.038 1991 1.000 1.005 1.010 1.014 1.018 1.021 1.025 1.027 1.030 1.034 1992 1.000 1.005 1.009 1.013 1.016 1.019 1.022 1.025 1.029 1.033 1993 1.000 1.004 1.008 1.011 1.015 1.017 1.020 1.024 1.028 1.031 1994 1.000 1.004 1.007 1.011 1.013 1.016 1.020 1.024 1.027 1.031 1995 1.000 1.004 1.007 1.009 1.012 1.016 1.020 1.023 1.027 1.030 1996 1.000 1.003 1.006 1.009 1.012 1.016 1.019 1.023 1.026 1.077 1997 1.000 1.002 1.005 1.009 1.013 1.016 1.020 1.023 1.073 1.082 1998 1.000 1.003 1.006 1.010 1.014 1.017 1.020 1.071 1.080 1.132 1999 1.000 1.004 1.008 1.011 1.014 1.017 1.068 1.077 1.129 1.135 2000 1.000 1.004 1.007 1.011 1.014 1.064 1.073 1.125 1.131 1.182 2001 1.000 1.003 1.007 1.010 1.060 1.069 1.121 1.126 1.178 1.181 2002 1.000 1.004 1.006 1.056 1.065 1.117 1.123 1.174 1.178 1.181 2003 1.000 1.003 1.052 1.062 1.113 1.119 1.170 1.174 1.177 1.182 2004 1.000 1.049 1.059 1.110 1.115 1.166 1.170 1.174 1.179 1.295 2005 1.000 1.009 1.058 1.063 1.111 1.115 1.119 1.123 1.234 1.241 2006 1.000 1.049 1.054 1.102 1.105 1.109 1.114 1.223 1.230 1.233 2007 1.000 1.005 1.051 1.054 1.058 1.062 1.167 1.173 1.176 1.177 2008 1.000 1.046 1.049 1.052 1.057 1.161 1.168 1.170 1.172 2009 1.000 1.003 1.007 1.011 1.110 1.117 1.119 1.121 2010 1.000 1.003 1.007 1.106 1.113 1.115 1.117 2011 1.000 1.004 1.103 1.109 1.112 1.113 2012 1.000 1.098 1.105 1.107 1.109 2013 1.000 1.006 1.008 1.009 2014 1.000 1.002 1.003 2015 1.000 1.002 2016 1.000

Incremental Paid Loss & ALAE - Inflation Factors - Based on Accident Year Factors

1989 1.000 1.017 1.035 1.050 1.066 1.082 1.095 1.107 1.118 1.128 1990 1.000 1.017 1.032 1.047 1.063 1.077 1.088 1.099 1.109 1.119 1991 1.000 1.015 1.030 1.046 1.059 1.070 1.081 1.091 1.101 1.111 1992 1.000 1.015 1.031 1.043 1.054 1.065 1.075 1.085 1.095 1.106 1993 1.000 1.015 1.028 1.038 1.049 1.059 1.069 1.079 1.090 1.102 1994 1.000 1.012 1.023 1.033 1.043 1.052 1.063 1.073 1.085 1.097 1995 1.000 1.010 1.021 1.030 1.040 1.050 1.060 1.072 1.084 1.096 1996 1.000 1.010 1.020 1.029 1.039 1.049 1.061 1.073 1.085 1.100 1997 1.000 1.009 1.019 1.028 1.039 1.050 1.062 1.074 1.089 1.103 1998 1.000 1.009 1.019 1.029 1.040 1.053 1.064 1.079 1.093 1.105 1999 1.000 1.010 1.020 1.031 1.043 1.054 1.069 1.083 1.095 1.108 2000 1.000 1.010 1.021 1.033 1.044 1.059 1.073 1.084 1.097 1.206 2001 1.000 1.011 1.023 1.034 1.048 1.062 1.073 1.086 1.194 1.245 2002 1.000 1.012 1.023 1.037 1.051 1.062 1.074 1.181 1.232 1.242 2003 1.000 1.011 1.025 1.039 1.050 1.062 1.168 1.218 1.228 1.239 2004 1.000 1.014 1.027 1.038 1.051 1.155 1.204 1.214 1.226 1.235 2005 1.000 1.013 1.024 1.036 1.139 1.188 1.197 1.209 1.218 1.224 2006 1.000 1.011 1.023 1.124 1.172 1.182 1.193 1.202 1.209 1.215 2007 1.000 1.012 1.112 1.160 1.170 1.181 1.189 1.196 1.202 1.207 2008 1.000 1.099 1.146 1.156 1.167 1.175 1.182 1.188 1.193 2009 1.000 1.043 1.051 1.061 1.069 1.075 1.081 1.085 2010 1.000 1.008 1.018 1.025 1.031 1.036 1.040 2011 1.000 1.009 1.017 1.022 1.028 1.032 2012 1.000 1.007 1.013 1.018 1.022 2013 1.000 1.006 1.011 1.015 2014 1.000 1.005 1.009 2015 1.000 1.004 2016 1.000

Note: (a) See Appendix B, Exhibits I and II. (b) These are interpolated inflation factors. Except for calendar years ending 3/31/2008, 3/31/2009 and 3/31/2010, they are not interpolated due to the change in hourly rate for nursing care by parents from $9.70 to $15.00 occurred for paid losses before and after July 1, 2008.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IXLoss & ALAE - Case Outstanding & Incremental Payments - Inflation Adjustment Factors Sheet 5b


Year of Birth 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 C.Y Ending 3/31/1999 3/31/2000 3/31/2001 3/31/2002 3/31/2003 3/31/2004 3/31/2005 3/31/2006 3/31/2007 3/31/2008

Assumptions:I. Incremental Paid Inflation Per Year A. Accident Year - 1/1 to 12/31 (a) 0.97% 0.98% 1.05% 1.22% 0.99% 1.42% 1.41% 0.99% 1.32% 6.50% B. Accident Year - 4/1 to 3/31 (b) 0.93% 0.97% 0.99% 1.09% 1.16% 1.09% 1.41% 1.30% 1.07% 1.18%

II. Case O/S Inflation Per Year A. Accident Year - 1/1 to 12/31 (a) 0.35% 0.42% 0.30% 0.38% 0.29% 4.94% 0.87% 4.86% 0.50% 4.55% B. Accident Year - 4/1 to 3/31 0.28% 0.36% 0.39% 0.32% 0.35% 0.29% 4.94% 0.87% 4.86% 0.50%

III. Incurred Inflation Per Year - Wtd Avg. of Pd & O/S - ( 10 % / 90 %) A. Accident Year - 1/1 to 12/31 0.41% 0.47% 0.38% 0.46% 0.36% 4.59% 0.92% 4.47% 0.58% 4.75% B. Accident Year - 4/1 to 3/31 0.35% 0.42% 0.45% 0.40% 0.43% 0.37% 4.59% 0.91% 4.48% 0.57%

Year ofBirth 123 135 147 159 171 183 195 207 219 231

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 1.046 1.050 1.054 1.057 1.061 1.064 1.117 1.126 1.181 1.187 1990 1.042 1.046 1.049 1.053 1.056 1.108 1.117 1.172 1.178 1.231 1991 1.038 1.041 1.045 1.048 1.100 1.109 1.163 1.169 1.222 1.226 1992 1.036 1.040 1.043 1.094 1.104 1.157 1.163 1.216 1.220 1.224 1993 1.035 1.038 1.089 1.099 1.152 1.158 1.210 1.214 1.218 1.223 1994 1.034 1.085 1.094 1.147 1.153 1.205 1.209 1.213 1.218 1.338 1995 1.081 1.090 1.143 1.149 1.201 1.205 1.209 1.214 1.333 1.341 1996 1.086 1.139 1.145 1.197 1.201 1.204 1.210 1.328 1.336 1.339 1997 1.135 1.141 1.193 1.197 1.200 1.206 1.324 1.332 1.334 1.336 1998 1.138 1.190 1.194 1.198 1.203 1.321 1.329 1.331 1.333 1999 1.186 1.190 1.194 1.199 1.317 1.325 1.327 1.329 2000 1.186 1.190 1.195 1.312 1.320 1.323 1.325 2001 1.185 1.190 1.307 1.315 1.317 1.320 2002 1.186 1.303 1.311 1.313 1.315 2003 1.299 1.306 1.309 1.311 2004 1.302 1.305 1.307 2005 1.243 1.245 2006 1.235 2007200820092010201120122013201420152016


1989 1.139 1.150 1.161 1.174 1.188 1.201 1.217 1.233 1.247 1.261 1990 1.130 1.141 1.154 1.167 1.180 1.197 1.212 1.225 1.240 1.363 1991 1.122 1.135 1.148 1.160 1.177 1.192 1.205 1.219 1.340 1.397 1992 1.118 1.131 1.143 1.160 1.175 1.187 1.201 1.321 1.377 1.389 1993 1.114 1.127 1.142 1.157 1.170 1.184 1.301 1.357 1.368 1.381 1994 1.109 1.125 1.140 1.152 1.166 1.282 1.336 1.347 1.360 1.370 1995 1.112 1.126 1.138 1.152 1.266 1.320 1.331 1.344 1.353 1.361 1996 1.115 1.127 1.140 1.253 1.307 1.318 1.330 1.340 1.347 1.354 1997 1.115 1.128 1.240 1.293 1.304 1.316 1.326 1.333 1.340 1.345 1998 1.118 1.229 1.281 1.292 1.304 1.314 1.321 1.328 1.333 1999 1.218 1.270 1.280 1.292 1.302 1.309 1.316 1.321 2000 1.257 1.268 1.280 1.289 1.296 1.303 1.308 2001 1.255 1.267 1.276 1.284 1.290 1.295 2002 1.254 1.263 1.270 1.276 1.281 2003 1.248 1.255 1.262 1.267 2004 1.242 1.248 1.253 2005 1.231 1.235 2006 1.220 2007200820092010201120122013201420152016


Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit IXLoss & ALAE - Case Outstanding & Incremental Payments - Inflation Adjustment Factors Sheet 5c


Year of Birth 2009 2010 2011 2012 2013 2014 2015 2016 C.Y Ending 3/31/2009 3/31/2010 3/31/2011 3/31/2012 3/31/2013 3/31/2014 3/31/2015 3/31/2016

Assumptions:I. Incremental Paid Inflation Per Year A. Accident Year - 1/1 to 12/31 (a) 7.62% 0.78% 1.00% 0.78% 0.57% 0.55% 0.40% 0.34% B. Accident Year - 4/1 to 3/31 (b) 9.95% 4.26% 0.84% 0.94% 0.73% 0.56% 0.51% 0.38%

II. Case O/S Inflation Per Year A. Accident Year - 1/1 to 12/31 (a) 0.35% 0.29% 0.42% 9.83% 0.72% 0.19% 0.17% 0.13% B. Accident Year - 4/1 to 3/31 4.55% 0.33% 0.32% 0.42% 9.83% 0.59% 0.19% 0.16%

III. Incurred Inflation Per Year - Wtd Avg. of Pd & O/S - ( 10 % / 90 %) A. Accident Year - 1/1 to 12/31 1.08% 0.34% 0.48% 8.92% 0.71% 0.23% 0.19% 0.15% B. Accident Year - 4/1 to 3/31 5.09% 0.73% 0.37% 0.48% 8.92% 0.59% 0.22% 0.18%

Year ofBirth 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 1.241 1.245 1.249 1.255 1.378 1.386 1.389 1.391 1990 1.235 1.239 1.245 1.367 1.375 1.377 1.380 1991 1.230 1.235 1.357 1.365 1.367 1.370 1992 1.229 1.350 1.358 1.360 1.363 1993 1.344 1.352 1.354 1.356 1994 1.346 1.349 1.351 1995 1.344 1.346 1996 1.341 19971998199920002001200220032004200520062007200820092010201120122013201420152016


1989 1.387 1.446 1.458 1.472 1.482 1.491 1.498 1.504 1990 1.421 1.433 1.446 1.457 1.465 1.473 1.478 1991 1.409 1.422 1.433 1.441 1.448 1.454 1992 1.402 1.412 1.420 1.427 1.433 1993 1.391 1.399 1.406 1.411 1994 1.378 1.385 1.390 1995 1.368 1.373 1996 1.359 19971998199920002001200220032004200520062007200820092010201120122013201420152016


Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit XSheet 1a

Ultimate Accepted Claim CountsEvaluated As of March 31, 2016

UltimateIBNR Accepted Claim Counts Accepted

Reported Accepted Claim Counts Ratio of ------------------------------------------ Claim Counts--------------------------------------------------------------------------- AAD & AAA AAD & AAA AAD & AAA

Year of Combined to the Combined All Accepted Only OnlyBirth DA (a) AAD (b) AAA (c) (2)+(3)+(4) [(3)+(4)]/(5) Claim Counts (8) x (7) (3)+(4)+(9)

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (8) (9) (10)

1989 4 6 5 15 73% - - 11 1990 3 4 3 10 70% - - 7 1991 4 - 4 8 50% - - 4 1992 1 4 9 14 93% - - 13 1993 2 5 8 15 87% - - 13 1994 9 3 4 16 44% - - 7 1995 5 1 5 11 55% - - 6 1996 10 1 6 17 41% - - 7 1997 6 3 8 17 65% - - 11 1998 3 2 13 18 83% - - 15 1999 9 5 4 18 50% - - 9 2000 7 1 5 13 46% - - 6 2001 9 - 4 13 31% - - 4 2002 5 3 14 22 77% - - 17 2003 6 - 3 9 33% - - 3 2004 7 1 5 13 46% - - 6 2005 2 4 7 13 85% - - 11 2006 1 2 10 13 92% - - 12 2007 5 2 8 15 67% - - 10 2008 1 - 10 11 91% - - 10 2009 6 1 9 16 63% - - 10 2010 6 - 6 12 50% - - 6 2011 2 2 10 14 86% 1.00 1.00 13 2012 4 - 9 13 69% 2.00 2.00 11 2013 3 1 6 10 70% 5.00 4.00 11 2014 1 - 9 10 90% 9.00 7.00 16 2015 - - 1 1 100% 15.00 11.00 12

2016 (3 Mo) - - 1 1 100% 4.00 3.00 4

Totals All: 121 51 186 358 66% 36 28 265 Latest 3 1 - 11 12 92% 28 21 32 Latest 5 8 1 26 35 77% 35 27 54 Latest 10 28 6 69 103 73% 36 28 103 Latest 15 49 16 108 173 72% 36 28 152 Latest 20 83 27 142 252 67% 36 28 197

(7) Selected Ratio of AAD & AAA to all accepted claims 67%

Notes: (a) The accepted claims shown in Column (2), DA, are claims where claimant was deceased prior to presentation of the claim to NICA (b) The accepted claims shown in Column (3), AAD, are claims that deceased after acceptance as of March 31, 2016. (c) The accepted claims shown in Column (4), AAA, are accepted claims that are alive as of March 31, 2016.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit XSheet 1b

Ultimate Accepted Claim CountsEvaluated As of March 31, 2016

Ratio of Ratio ofIndicated Actual Ultimate IBNR

Actual (a) Ultimate Accepted Estimated Accepted for AllAccepted Reported Loss Development Factors Reported to Reported Ultimate to Ultimate Accepted

Year of Claim Cts. Claim Cts. (b) ---------------------------- Claim Cts. Claims Accepted Rept. Claims Claim Cts.Birth @ 3/31/16 @ 3/31/16 Incremental Cumulative (3) x (5) (2) / (3) Claim Cts. (c) (8) / (6) (8) - (2)

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1989 15 32 1.000 1.000 32.0 0.46875 15 0.46875 - 1990 10 39 1.000 1.000 39.0 0.25641 10 0.25641 - 1991 8 38 1.000 1.000 38.0 0.21053 8 0.21053 - 1992 14 48 1.000 1.000 48.0 0.29167 14 0.29167 - 1993 15 40 1.000 1.000 40.0 0.37500 15 0.37500 - 1994 16 36 1.000 1.000 36.0 0.44444 16 0.44444 - 1995 11 26 1.000 1.000 26.0 0.42308 11 0.42308 - 1996 17 40 1.000 1.000 40.0 0.42500 17 0.42500 - 1997 17 47 1.000 1.000 47.0 0.36170 17 0.36170 - 1998 18 42 1.000 1.000 42.0 0.42857 18 0.42857 - 1999 18 40 1.000 1.000 40.0 0.45000 18 0.45000 - 2000 13 38 1.000 1.000 38.0 0.34211 13 0.34211 - 2001 13 41 1.000 1.000 41.0 0.31707 13 0.31707 - 2002 22 50 1.000 1.000 50.0 0.44000 22 0.44000 - 2003 9 23 1.000 1.000 23.0 0.39130 9 0.39130 - 2004 13 31 1.000 1.000 31.0 0.41935 13 0.41935 - 2005 13 41 1.000 1.000 41.0 0.31707 13 0.31707 - 2006 13 34 1.000 1.000 34.0 0.38235 13 0.38235 - 2007 15 36 1.000 1.000 36.0 0.41667 15 0.41667 - 2008 11 42 1.000 1.000 42.0 0.26190 11 0.26190 - 2009 16 48 1.015 1.015 48.7 0.33333 16 0.32841 - 2010 12 39 1.015 1.030 40.2 0.30769 12 0.29867 - 2011 14 38 1.085 1.118 42.5 15 0.35314 1 2012 13 45 1.175 1.313 59.1 15 0.25379 2 2013 10 23 1.185 1.556 35.8 15 0.41903 5 2014 10 19 1.825 2.840 54.0 19 0.35206 9 2015 1 2 2.750 7.811 15.6 16 1.02418 15

2016 (3 Mo) 1 1 7.000 54.678 13.7 5 0.36578 4

Totals: 358 979 1,074 394 36

Notes:(a) Based on individual claim detail provided by NICA as of March 31, 2016. (b) See Exhibit X, Sheets 2a, 2b and 2c. (c) Based on Column (2) for birth years 2010 and prior. See Exhibit X, Sheet 1c, Column (16) for birth years 2011 and susbequent.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit XSheet 1c

Development of Ultimate Accepted Claim Counts ( B/F Estimate)Evaluated As of March 31, 2016

Claim Frequency perInsured Physician

Based on : Ratio of Actual (a) ---------------------------------------- Accepted toAccepted Reported (a) Accepted Reported Reported

Year of Claim Cts. Claim Cts. Insured Claim Cts. Claims ClaimsBirth @ 3/31/16 @ 3/31/16 Physicians (2) / (4) (3) / (4) (2) / (3)

---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7)

1989 15 32 570 0.0263 0.0561 0.4688 1990 10 39 590 0.0169 0.0661 0.2564 1991 8 38 653 0.0123 0.0582 0.2105 1992 14 48 712 0.0197 0.0674 0.2917 1993 15 40 731 0.0205 0.0547 0.3750 1994 16 36 659 0.0243 0.0546 0.4444 1995 11 26 682 0.0161 0.0381 0.4231 1996 17 40 708 0.0240 0.0565 0.4250 1997 17 47 737 0.0231 0.0638 0.3617 1998 18 42 699 0.0258 0.0601 0.4286 1999 18 40 665 0.0271 0.0602 0.4500 2000 13 38 620 0.0210 0.0613 0.3421 2001 13 41 676 0.0192 0.0607 0.3171 2002 22 50 730 0.0301 0.0685 0.4400 2003 9 23 785 0.0115 0.0293 0.3913 2004 13 31 841 0.0155 0.0369 0.4194 2005 13 41 891 0.0146 0.0460 0.3171 2006 13 34 897 0.0145 0.0379 0.3824 2007 15 36 963 0.0156 0.0374 0.4167 2008 11 42 987 0.0111 0.0426 0.2619 2009 16 48 1,044 0.0153 0.0460 0.3333 2010 12 39 1,071 0.0112 0.0364 0.3077

Subtotals:89 to 10 309 851 16,911 0.0183 0.0503 0.3631 89 to 02 207 557 9,432 0.0219 0.0591 0.3716 03 to 10 102 294 7,479 0.0136 0.0393 0.3469 06 to 10 67 199 4,962 0.0135 0.0401 0.3367

Selected Frequency ====> 0.0145 0.0400 0.3625

Estimated (b) Estimated Ultimate B/F Method Accepted Based on Final

Actual (a) Estimated Claim Reporting Ultimate --------------------------------- SelectedAccepted Reported Insured Pattern - Based on : Reported Reported Accepted Ultimate

Year of Claim Cts. Claims (a) Physicians --------------------------------- (9) + {[1-(12)] Claim Cts. (8) + {[1-(11)] AcceptedBirth @ 3/31/16 @ 3/31/16 @ 3/31/16 Accepted Reported X [(10) X (6)Sel]} (13) X (7) Sel. X [(10) X (5)Sel]} Claim Cts.

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (8) (9) (10) (11) (12) (13) (14) (15) (16)

2011 14 38 1,091 99.01% 89.46% 42.60 15.44 14.16 15 2012 13 45 1,119 90.01% 76.14% 55.68 20.18 14.62 15 2013 10 23 1,143 81.83% 64.25% 39.34 14.26 13.01 15 2014 10 19 1,208 49.59% 35.21% 50.31 18.24 18.83 19 2015 1 2 1,273 22.04% 12.80% 46.40 16.82 15.39 16

2016 (3 Mo) 1 1 1,251 5.51% 1.83% 12.53 4.54 4.53 5

Subtotals: 49 128 7,085 246.86 89.49 80.54 85.00

Notes: (a) Based on individual claim detail provided by NICA as of March 31, 2016. See Exhibit X, Sheet 1b. (b) The formula shown below is adjusted by a factor of 0.25 for the 2016 birth year to account for only a three month period.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit XSheet 1d

Open Accepted Claim CountsEvaluated As of March 31, 2016

Total Open Accepted Claim Counts(Reported + IBNR)

Reported Open Accepted Claim Counts @ 3/31/16 IBNR Accepted Claim Counts ----------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------- AAD & AAA

Year of Combined DA AAD & AAA DA Only CombinedBirth DA (a) AAD (b) AAA (c) (2)+(3)+(4) (8) - (7) Only (d) Combined (d) (2) + (6) (3)+(4)+(7) (9) + (10)

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

1989 - - 5 5 - - - - 5 5 1990 - - 3 3 - - - - 3 3 1991 - - 4 4 - - - - 4 4 1992 - - 9 9 - - - - 9 9 1993 - - 8 8 - - - - 8 8 1994 - - 4 4 - - - - 4 4 1995 - - 5 5 - - - - 5 5 1996 - - 6 6 - - - - 6 6 1997 - - 8 8 - - - - 8 8 1998 - - 13 13 - - - - 13 13 1999 - - 4 4 - - - - 4 4 2000 - - 5 5 - - - - 5 5 2001 - - 4 4 - - - - 4 4 2002 - - 14 14 - - - - 14 14 2003 - - 3 3 - - - - 3 3 2004 - - 5 5 - - - - 5 5 2005 - - 7 7 - - - - 7 7 2006 - - 10 10 - - - - 10 10 2007 - - 8 8 - - - - 8 8 2008 - - 10 10 - - - - 10 10 2009 1 - 9 10 - - - 1 9 10 2010 - - 6 6 - - - - 6 6 2011 - - 10 10 - 1 1.00 - 11 11 2012 - - 9 9 - 2 2.00 - 11 11 2013 - - 6 6 1 4 5.00 1 10 11 2014 1 - 9 10 2 7 9.00 3 16 19 2015 - - 1 1 4 11 15.00 4 12 16

2016 (3 Mo) - - 1 1 1 3 4.00 1 4 5

Totals All: 2 - 186 188 8 28 36 10 214 224

Notes: (a) DA are claims where claimant was deceased prior to presentation of the claim to NICA. (b) AAD are claims that deceased after acceptance as of March 31, 2016. (c) AAA are accepted claims that are alive as of March 31, 2016. (d) See Exhibit X, Sheet 1a, Columns (9) and (8), respectively.

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit XSheet 2a

Reported Claim CountsEvaluated As of March 31, 2016

Year ofBirth 3 15 27 39 51 63 75 87 99 111

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 6 17 22 26 29 31 32 321990 1 8 21 27 34 37 38 39 391991 0 3 8 21 28 29 34 35 37 371992 0 5 15 36 39 44 47 48 48 481993 0 4 17 33 35 36 40 40 40 401994 0 6 19 29 31 32 36 36 36 361995 0 2 9 15 21 24 25 25 26 261996 0 4 13 19 26 34 39 39 39 401997 0 3 16 28 34 42 47 47 47 471998 0 5 17 31 34 37 42 42 42 421999 0 9 15 24 29 34 39 40 40 402000 0 10 18 28 32 35 38 38 38 382001 0 4 15 25 31 38 41 41 41 412002 0 7 20 35 40 43 50 50 50 502003 0 4 9 13 16 20 21 21 23 232004 0 3 12 16 21 25 29 30 31 312005 0 3 14 24 30 37 39 40 41 412006 0 3 10 19 24 31 33 33 33 342007 0 4 13 25 26 31 32 33 36 362008 0 4 12 20 25 33 37 37 422009 0 6 16 30 35 43 48 482010 0 7 16 28 33 38 392011 1 7 15 29 37 382012 1 5 21 41 452013 1 6 15 232014 0 6 192015 0 22016 1

3:15 15:27 27:39 39:51 51:63 63:75 75:87 87:99 99:111 111:123---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 2.833 1.294 1.182 1.115 1.069 1.032 1.000 1.000 1990 8.000 2.625 1.286 1.259 1.088 1.027 1.026 1.000 1.000 1991 2.667 2.625 1.333 1.036 1.172 1.029 1.057 1.000 1.000 1992 3.000 2.400 1.083 1.128 1.068 1.021 1.000 1.000 1.000 1993 4.250 1.941 1.061 1.029 1.111 1.000 1.000 1.000 1.000 1994 3.167 1.526 1.069 1.032 1.125 1.000 1.000 1.000 1.000 1995 4.500 1.667 1.400 1.143 1.042 1.000 1.040 1.000 1.000 1996 3.250 1.462 1.368 1.308 1.147 1.000 1.000 1.026 1.000 1997 5.333 1.750 1.214 1.235 1.119 1.000 1.000 1.000 1.000 1998 3.400 1.824 1.097 1.088 1.135 1.000 1.000 1.000 1.000 1999 1.667 1.600 1.208 1.172 1.147 1.026 1.000 1.000 1.000 2000 1.800 1.556 1.143 1.094 1.086 1.000 1.000 1.000 1.000 2001 3.750 1.667 1.240 1.226 1.079 1.000 1.000 1.000 1.000 2002 2.857 1.750 1.143 1.075 1.163 1.000 1.000 1.000 1.000 2003 2.250 1.444 1.231 1.250 1.050 1.000 1.095 1.000 1.000 2004 4.000 1.333 1.313 1.190 1.160 1.034 1.033 1.000 1.000 2005 4.667 1.714 1.250 1.233 1.054 1.026 1.025 1.000 1.000 2006 3.333 1.900 1.263 1.292 1.065 1.000 1.000 1.030 1.000 2007 3.250 1.923 1.040 1.192 1.032 1.031 1.091 1.000 2008 3.000 1.667 1.250 1.320 1.121 1.000 1.135 2009 2.667 1.875 1.167 1.229 1.116 1.000 2010 2.286 1.750 1.179 1.152 1.026 2011 7.000 2.143 1.933 1.276 1.027 2012 5.000 4.200 1.952 1.098 2013 6.000 2.500 1.533 2014 3.167 2015

Simple Avg. - Incremental 6.000 3.404 1.850 1.209 1.169 1.101 1.013 1.027 1.003 1.000 Wtd Avg. All - Incremental 40.667 2.992 1.805 1.188 1.160 1.102 1.011 1.023 1.003 1.000 Wtd Latest Five - Incremental 8.667 2.774 1.819 1.182 1.173 1.074 1.011 1.058 1.006 1.000 Selected Incremental - Prior 3/31/15 7.000 2.750 1.825 1.185 1.225 1.085 1.015 1.015 1.000 1.000 Selected - Incremental 7.000 2.750 1.825 1.185 1.175 1.085 1.015 1.015 1.000 1.000 Selected - Cumulative 54.678 7.811 2.840 1.556 1.313 1.118 1.030 1.015 1.000 1.000

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit XSheet 2b


Year ofBirth 123 135 147 159 171 183 195 207 219 231

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 32 32 32 32 32 32 32 32 32 321990 39 39 39 39 39 39 39 39 39 391991 37 37 37 38 38 38 38 38 38 381992 48 48 48 48 48 48 48 48 48 481993 40 40 40 40 40 40 40 40 40 401994 36 36 36 36 36 36 36 36 36 361995 26 26 26 26 26 26 26 26 26 261996 40 40 40 40 40 40 40 40 40 401997 47 47 47 47 47 47 47 47 47 471998 42 42 42 42 42 42 42 42 421999 40 40 40 40 40 40 40 402000 38 38 38 38 38 38 382001 41 41 41 41 41 412002 50 50 50 50 502003 23 23 23 232004 31 31 312005 41 412006 342007200820092010201120122013201420152016

123:135 135:147 147:159 159:171 171:183 183:195 195:207 207:219 219:231 231:243---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1990 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1991 1.000 1.000 1.027 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1992 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1993 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1994 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1995 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1996 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1997 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1998 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1999 1.000 1.000 1.000 1.000 1.000 1.000 1.000 2000 1.000 1.000 1.000 1.000 1.000 1.000 2001 1.000 1.000 1.000 1.000 1.000 2002 1.000 1.000 1.000 1.000 2003 1.000 1.000 1.000 2004 1.000 1.000 2005 1.000 2006200720082009201020112012201320142015

Simple Avg. - Incremental 1.000 1.000 1.002 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Wtd Avg. All - Incremental 1.000 1.000 1.002 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Wtd Latest Five - Incremental 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Selected Incremental - Prior 3/31/15 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Selected - Incremental 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Selected - Cumulative 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

Florida Birth Related Neurological Injury Compensation Association (NICA) Exhibit XSheet 2c


Year ofBirth 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 32 32 32 32 32 32 32 321990 39 39 39 39 39 39 391991 38 38 38 38 38 381992 48 48 48 48 481993 40 40 40 401994 36 36 361995 26 261996 4019971998199920002001200220032004200520062007200820092010201120122013201420152016

243:255 255:267 267:279 279:291 291:303 303:315 315:327 327:Ult.---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

1989 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1990 1.000 1.000 1.000 1.000 1.000 1.000 1991 1.000 1.000 1.000 1.000 1.000 1992 1.000 1.000 1.000 1.000 1993 1.000 1.000 1.000 1994 1.000 1.000 1995 1.000 19961997199819992000200120022003200420052006200720082009201020112012201320142015

Simple Avg. - Incremental 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Wtd Avg. All - Incremental 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Wtd Latest Five - Incremental 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Selected Incremental - Prior 3/31/15 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Selected - Incremental 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Selected - Cumulative 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix AExhibit I

Summary of Estimated Payment Patterns - Loss & Expense Sheet 1aBased on NICA Reserve Worksheets and Mortality Rates

Payment Patterns After Consideration of Estimated Mortality - 2016 Level Basis (a)

Calendar Birth Year Birth Year Birth Year Birth Year Birth Year Birth Year Birth Year Birth YearYear 2009 2010 2011 2012 2013 2014 2015 2016

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9)

Percent of Remaining (O/S) Loss & Expense Payments By Calendar YearFuture Payments Based on 2016 Level - After Mortality

2016 0.98% 1.12% 1.56% 1.28% 1.40% 1.57% 1.12% 0.34%2017 1.36% 1.28% 1.47% 2.04% 1.68% 1.83% 2.06% 1.49%2018 1.31% 1.34% 1.26% 1.44% 2.00% 1.65% 1.80% 2.05%2019 1.57% 1.29% 1.32% 1.23% 1.42% 1.96% 1.62% 1.79%2020 1.90% 1.54% 1.26% 1.29% 1.21% 1.39% 1.93% 1.61%2021 1.72% 1.87% 1.51% 1.24% 1.27% 1.19% 1.37% 1.92%2022 1.83% 1.69% 1.84% 1.49% 1.22% 1.25% 1.17% 1.36%2023 1.80% 1.80% 1.66% 1.80% 1.46% 1.19% 1.22% 1.16%2024 2.14% 1.77% 1.77% 1.63% 1.77% 1.43% 1.17% 1.22%2025 1.89% 2.11% 1.74% 1.74% 1.60% 1.73% 1.41% 1.16%2026 1.86% 1.86% 2.07% 1.71% 1.71% 1.57% 1.71% 1.40%2027 1.99% 1.83% 1.83% 2.03% 1.68% 1.67% 1.54% 1.69%2028 1.97% 1.96% 1.80% 1.79% 2.00% 1.64% 1.64% 1.53%2029 1.98% 1.94% 1.92% 1.76% 1.76% 1.96% 1.62% 1.63%2030 2.09% 1.95% 1.91% 1.88% 1.73% 1.73% 1.92% 1.61%2031 2.36% 2.06% 1.91% 1.87% 1.85% 1.70% 1.70% 1.91%2032 2.39% 2.33% 2.02% 1.88% 1.84% 1.81% 1.67% 1.68%2033 2.40% 2.36% 2.29% 1.98% 1.84% 1.80% 1.78% 1.66%2034 2.31% 2.37% 2.31% 2.24% 1.95% 1.81% 1.77% 1.77%2035 2.31% 2.27% 2.32% 2.27% 2.20% 1.91% 1.78% 1.76%2036 2.46% 2.28% 2.23% 2.28% 2.23% 2.16% 1.88% 1.76%2037 2.38% 2.43% 2.24% 2.19% 2.24% 2.18% 2.12% 1.86%2038 2.33% 2.34% 2.38% 2.20% 2.15% 2.19% 2.15% 2.11%2039 2.23% 2.30% 2.30% 2.34% 2.16% 2.11% 2.16% 2.13%2040 2.16% 2.20% 2.25% 2.26% 2.30% 2.11% 2.07% 2.14%2041 2.08% 2.13% 2.16% 2.21% 2.21% 2.25% 2.08% 2.06%2042 2.04% 2.05% 2.09% 2.12% 2.17% 2.17% 2.21% 2.06%2043 1.95% 2.01% 2.01% 2.05% 2.08% 2.13% 2.13% 2.20%2044 1.88% 1.92% 1.97% 1.98% 2.02% 2.04% 2.09% 2.12%2045 1.83% 1.86% 1.88% 1.94% 1.94% 1.97% 2.00% 2.08%2046 1.77% 1.80% 1.82% 1.85% 1.90% 1.90% 1.94% 1.99%2047 1.73% 1.74% 1.77% 1.79% 1.81% 1.87% 1.87% 1.93%2048 1.71% 1.71% 1.71% 1.73% 1.76% 1.78% 1.83% 1.86%2049 1.64% 1.69% 1.67% 1.68% 1.70% 1.72% 1.75% 1.82%2050 1.58% 1.61% 1.66% 1.64% 1.65% 1.67% 1.69% 1.74%2051 1.52% 1.55% 1.58% 1.63% 1.61% 1.62% 1.64% 1.68%2052 1.50% 1.50% 1.52% 1.55% 1.60% 1.58% 1.59% 1.63%2053 1.44% 1.47% 1.47% 1.50% 1.53% 1.57% 1.55% 1.58%2054 1.38% 1.42% 1.45% 1.44% 1.47% 1.49% 1.54% 1.54%2055 1.35% 1.36% 1.39% 1.42% 1.42% 1.44% 1.47% 1.53%2056 1.29% 1.33% 1.34% 1.37% 1.39% 1.39% 1.42% 1.46%2057 1.26% 1.27% 1.30% 1.31% 1.34% 1.37% 1.37% 1.41%2058 1.22% 1.24% 1.25% 1.28% 1.29% 1.32% 1.34% 1.36%2059 1.17% 1.20% 1.22% 1.23% 1.25% 1.26% 1.29% 1.33%2060 1.14% 1.16% 1.18% 1.20% 1.20% 1.23% 1.24% 1.29%2061 1.09% 1.12% 1.13% 1.16% 1.17% 1.18% 1.21% 1.23%2062 1.07% 1.07% 1.10% 1.11% 1.14% 1.15% 1.16% 1.20%2063 1.02% 1.05% 1.05% 1.08% 1.09% 1.11% 1.13% 1.15%2064 0.97% 1.00% 1.03% 1.03% 1.06% 1.07% 1.10% 1.12%2065 0.93% 0.95% 0.98% 1.02% 1.01% 1.04% 1.05% 1.09%

Note: (a) Estimated percent of remaining loss and expense expected to be paid in each calendar year. The estimates are based on indivdual case reserve files provided by NICA. The percent of remaining loss and expense is calculated based on 2016 level estimates for each open claimant and after consideration of the remaining life expectancy for each claimant. See Appendix A, Exhibit II for illustration of calculation for Birth Year 1996.


Summary of Estimated Payment Patterns - Loss & Expense Sheet 1bBased on NICA Reserve Worksheets and Mortality Rates


Calendar Birth Year Birth Year Birth Year Birth Year Birth Year Birth Year Birth Year Birth YearYear 2009 2010 2011 2012 2013 2014 2015 2016

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9)


2066 0.89% 0.92% 0.93% 0.96% 1.00% 0.99% 1.02% 1.05%2067 0.86% 0.88% 0.90% 0.92% 0.95% 0.98% 0.98% 1.01%2068 0.83% 0.85% 0.86% 0.88% 0.90% 0.93% 0.96% 0.97%2069 0.78% 0.81% 0.83% 0.84% 0.87% 0.88% 0.91% 0.95%2070 0.75% 0.77% 0.80% 0.82% 0.83% 0.85% 0.87% 0.91%2071 0.70% 0.74% 0.76% 0.78% 0.80% 0.81% 0.83% 0.86%2072 0.68% 0.69% 0.72% 0.74% 0.77% 0.79% 0.80% 0.83%2073 0.64% 0.67% 0.68% 0.71% 0.73% 0.75% 0.77% 0.79%2074 0.61% 0.64% 0.66% 0.67% 0.70% 0.72% 0.74% 0.77%2075 0.58% 0.60% 0.62% 0.65% 0.66% 0.68% 0.70% 0.74%2076 0.54% 0.57% 0.59% 0.61% 0.64% 0.64% 0.67% 0.70%2077 0.52% 0.54% 0.56% 0.58% 0.60% 0.62% 0.63% 0.67%2078 0.48% 0.51% 0.53% 0.55% 0.57% 0.59% 0.61% 0.63%2079 0.45% 0.48% 0.50% 0.52% 0.54% 0.55% 0.58% 0.61%2080 0.43% 0.45% 0.47% 0.49% 0.51% 0.53% 0.54% 0.57%2081 0.39% 0.42% 0.44% 0.46% 0.48% 0.50% 0.52% 0.54%2082 0.37% 0.39% 0.41% 0.43% 0.45% 0.47% 0.49% 0.52%2083 0.34% 0.37% 0.38% 0.41% 0.42% 0.44% 0.46% 0.49%2084 0.32% 0.34% 0.36% 0.37% 0.40% 0.41% 0.43% 0.46%2085 0.29% 0.31% 0.33% 0.36% 0.37% 0.39% 0.41% 0.43%2086 0.27% 0.29% 0.31% 0.33% 0.35% 0.36% 0.38% 0.40%2087 0.25% 0.27% 0.28% 0.30% 0.32% 0.34% 0.35% 0.38%2088 0.22% 0.25% 0.26% 0.28% 0.29% 0.31% 0.34% 0.35%2089 0.20% 0.22% 0.24% 0.26% 0.27% 0.29% 0.31% 0.33%2090 0.18% 0.20% 0.22% 0.24% 0.25% 0.27% 0.28% 0.31%2091 0.16% 0.18% 0.20% 0.21% 0.23% 0.25% 0.26% 0.28%2092 0.15% 0.16% 0.18% 0.19% 0.21% 0.23% 0.24% 0.26%2093 0.13% 0.14% 0.16% 0.18% 0.19% 0.20% 0.22% 0.24%2094 0.11% 0.13% 0.14% 0.16% 0.17% 0.18% 0.20% 0.22%2095 0.10% 0.11% 0.13% 0.14% 0.15% 0.17% 0.18% 0.20%2096 0.09% 0.10% 0.11% 0.12% 0.14% 0.15% 0.17% 0.18%2097 0.07% 0.08% 0.10% 0.11% 0.12% 0.13% 0.15% 0.16%2098 0.06% 0.07% 0.08% 0.09% 0.11% 0.12% 0.13% 0.15%2099 0.05% 0.06% 0.07% 0.08% 0.09% 0.10% 0.12% 0.13%2100 0.05% 0.05% 0.06% 0.07% 0.08% 0.09% 0.10% 0.12%2101 0.04% 0.04% 0.05% 0.06% 0.07% 0.08% 0.09% 0.10%2102 0.03% 0.04% 0.04% 0.05% 0.06% 0.07% 0.08% 0.09%2103 0.02% 0.03% 0.03% 0.04% 0.05% 0.06% 0.07% 0.08%2104 0.02% 0.02% 0.03% 0.03% 0.04% 0.05% 0.06% 0.07%2105 0.01% 0.02% 0.02% 0.03% 0.03% 0.04% 0.05% 0.06%2106 0.01% 0.01% 0.02% 0.02% 0.03% 0.03% 0.04% 0.05%2107 0.01% 0.01% 0.01% 0.02% 0.02% 0.03% 0.03% 0.04%2108 0.02% 0.01% 0.01% 0.01% 0.02% 0.02% 0.03% 0.03%2109 0.00% 0.02% 0.01% 0.01% 0.01% 0.02% 0.02% 0.03%2110 0.00% 0.00% 0.02% 0.01% 0.01% 0.01% 0.02% 0.02%2111 0.00% 0.00% 0.00% 0.02% 0.01% 0.01% 0.01% 0.02%2112 0.00% 0.00% 0.00% 0.00% 0.02% 0.01% 0.01% 0.01%2113 0.00% 0.00% 0.00% 0.00% 0.00% 0.02% 0.01% 0.01%2114 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.02% 0.01%2115 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.02%





Calendar Birth Year Birth Year Birth Year Birth Year Birth Year Birth Year Birth Year Birth Year Birth Year Birth YearYear 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


2016 2.77% 2.08% 2.58% 2.50% 3.41% 3.25% 2.27% 2.69% 3.08% 1.04%2017 3.09% 2.07% 2.20% 1.83% 2.51% 2.29% 1.50% 1.48% 2.67% 1.32%2018 3.53% 3.49% 2.38% 2.56% 3.82% 2.85% 2.79% 2.46% 3.09% 1.59%2019 3.43% 3.27% 2.31% 2.50% 3.65% 2.75% 2.59% 2.40% 2.97% 1.93%2020 3.31% 3.22% 2.54% 2.70% 4.01% 3.10% 2.65% 2.63% 3.28% 1.74%2021 3.84% 2.92% 2.42% 2.38% 3.41% 2.63% 2.30% 2.39% 2.78% 1.85%2022 4.42% 3.88% 2.97% 3.20% 3.99% 3.17% 2.62% 2.82% 3.35% 1.82%2023 3.54% 3.02% 2.58% 2.57% 3.12% 2.47% 2.02% 2.28% 2.57% 2.17%2024 3.43% 2.85% 2.54% 2.68% 3.02% 2.42% 1.93% 2.23% 2.49% 1.91%2025 3.45% 2.94% 2.83% 2.95% 4.38% 2.84% 2.12% 2.60% 2.87% 1.88%2026 3.32% 2.52% 2.41% 2.53% 3.68% 2.65% 1.72% 2.20% 2.30% 2.01%2027 3.22% 2.68% 2.37% 2.49% 3.55% 2.60% 2.44% 2.16% 2.27% 2.00%2028 3.08% 2.52% 2.57% 2.40% 3.37% 2.51% 2.32% 2.38% 2.17% 2.00%2029 3.37% 2.79% 2.90% 2.90% 3.77% 2.96% 2.58% 2.68% 2.76% 2.12%2030 2.86% 2.32% 2.70% 2.71% 3.46% 2.71% 2.32% 2.49% 2.45% 2.40%2031 2.73% 2.09% 2.39% 2.43% 2.98% 2.34% 2.07% 2.20% 2.06% 2.42%2032 2.62% 1.97% 2.32% 2.35% 2.84% 2.28% 2.23% 2.15% 1.99% 2.44%2033 2.52% 1.85% 2.28% 2.30% 2.72% 2.22% 2.17% 2.24% 1.92% 2.34%2034 2.40% 1.73% 2.20% 2.22% 2.57% 2.15% 2.08% 2.18% 2.15% 2.34%2035 2.42% 1.78% 2.52% 2.45% 2.78% 2.46% 2.23% 2.38% 2.40% 2.50%2036 2.51% 1.78% 2.36% 2.39% 2.72% 2.45% 2.24% 2.36% 2.41% 2.41%2037 2.11% 1.43% 2.11% 2.04% 2.19% 1.96% 1.89% 2.00% 1.92% 2.36%2038 2.01% 1.34% 2.05% 1.98% 2.07% 1.90% 1.84% 1.95% 1.85% 2.26%2039 1.93% 1.96% 2.00% 1.94% 1.97% 1.85% 1.80% 1.90% 1.78% 2.19%2040 1.83% 1.93% 2.13% 2.02% 2.04% 2.03% 1.84% 2.00% 1.92% 2.11%2041 1.74% 1.79% 1.88% 1.80% 1.74% 1.73% 1.68% 1.78% 1.64% 2.07%2042 1.67% 1.72% 1.83% 1.75% 1.65% 1.68% 1.65% 1.73% 1.59% 1.97%2043 1.79% 1.78% 1.90% 1.92% 1.79% 1.95% 1.80% 1.91% 1.83% 1.91%2044 1.50% 1.58% 1.71% 1.63% 1.44% 1.56% 1.54% 1.62% 1.56% 1.85%2045 1.50% 1.61% 1.89% 1.78% 1.54% 1.80% 1.68% 1.78% 1.73% 1.79%2046 1.35% 1.45% 1.60% 1.52% 1.26% 1.46% 1.46% 1.52% 1.44% 1.75%2047 1.27% 1.39% 1.55% 1.48% 1.17% 1.41% 1.42% 1.47% 1.39% 1.74%2048 1.21% 1.34% 1.50% 1.42% 1.10% 1.37% 1.39% 1.43% 1.34% 1.66%2049 1.14% 1.28% 1.44% 1.36% 1.01% 1.31% 1.34% 1.38% 1.28% 1.60%2050 1.21% 1.33% 1.64% 1.59% 1.19% 1.69% 1.56% 1.62% 1.61% 1.54%2051 1.01% 1.19% 1.35% 1.27% 0.87% 1.22% 1.28% 1.29% 1.19% 1.52%2052 0.94% 1.14% 1.29% 1.21% 0.79% 1.17% 1.24% 1.24% 1.14% 1.46%2053 0.88% 1.10% 1.24% 1.16% 0.72% 1.12% 1.32% 1.30% 1.09% 1.40%2054 0.83% 1.06% 1.19% 1.12% 0.67% 1.08% 1.29% 1.25% 1.05% 1.36%2055 0.81% 1.08% 1.30% 1.25% 0.68% 1.23% 1.36% 1.34% 1.16% 1.31%2056 0.72% 0.99% 1.09% 1.07% 0.54% 0.98% 1.21% 1.16% 0.96% 1.28%2057 0.75% 0.97% 1.11% 1.14% 0.58% 1.14% 1.32% 1.23% 1.10% 1.24%2058 0.61% 0.92% 0.99% 0.97% 0.44% 0.90% 1.14% 1.07% 0.88% 1.19%2059 0.57% 0.89% 0.95% 0.93% 0.39% 0.86% 1.10% 1.03% 0.85% 1.15%2060 0.52% 0.88% 1.01% 0.95% 0.39% 0.94% 1.14% 1.06% 0.91% 1.10%2061 0.48% 0.83% 0.85% 0.84% 0.31% 0.77% 1.03% 0.94% 0.77% 1.08%2062 0.44% 0.80% 0.81% 0.79% 0.27% 0.73% 1.00% 0.90% 0.74% 1.03%2063 0.40% 0.77% 0.77% 0.76% 0.23% 0.70% 0.97% 0.86% 0.71% 0.98%2064 0.41% 0.75% 0.76% 0.78% 0.24% 0.78% 1.03% 0.89% 0.80% 0.94%2065 0.34% 0.75% 0.78% 0.74% 0.20% 0.74% 0.98% 0.86% 0.74% 0.90%






---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


2066 0.29% 0.69% 0.64% 0.64% 0.15% 0.59% 0.87% 0.74% 0.61% 0.87%2067 0.26% 0.67% 0.60% 0.60% 0.12% 0.55% 0.83% 0.70% 0.58% 0.84%2068 0.23% 0.64% 0.56% 0.56% 0.10% 0.51% 0.79% 0.67% 0.55% 0.79%2069 0.21% 0.61% 0.52% 0.52% 0.08% 0.48% 0.77% 0.63% 0.53% 0.76%2070 0.18% 0.60% 0.55% 0.52% 0.08% 0.51% 0.77% 0.63% 0.56% 0.71%2071 0.18% 0.56% 0.47% 0.49% 0.06% 0.49% 0.76% 0.60% 0.56% 0.69%2072 0.14% 0.54% 0.41% 0.42% 0.04% 0.38% 0.66% 0.53% 0.45% 0.65%2073 0.12% 0.51% 0.38% 0.39% 0.03% 0.35% 0.62% 0.49% 0.42% 0.61%2074 0.10% 0.49% 0.35% 0.36% 0.03% 0.32% 0.59% 0.46% 0.40% 0.59%2075 0.09% 0.49% 0.37% 0.37% 0.02% 0.36% 0.61% 0.47% 0.44% 0.55%2076 0.07% 0.44% 0.28% 0.31% 0.01% 0.27% 0.52% 0.40% 0.35% 0.52%2077 0.06% 0.41% 0.25% 0.28% 0.01% 0.24% 0.49% 0.37% 0.33% 0.49%2078 0.05% 0.38% 0.24% 0.28% 0.01% 0.26% 0.50% 0.36% 0.37% 0.46%2079 0.04% 0.36% 0.20% 0.24% 0.00% 0.20% 0.42% 0.32% 0.29% 0.43%2080 0.03% 0.34% 0.20% 0.23% 0.00% 0.20% 0.41% 0.31% 0.30% 0.40%2081 0.03% 0.31% 0.16% 0.20% 0.00% 0.16% 0.36% 0.27% 0.25% 0.38%2082 0.02% 0.28% 0.13% 0.18% 0.00% 0.14% 0.33% 0.25% 0.23% 0.35%2083 0.01% 0.25% 0.11% 0.16% 0.00% 0.12% 0.30% 0.23% 0.21% 0.32%2084 0.01% 0.23% 0.10% 0.14% 0.00% 0.11% 0.27% 0.20% 0.19% 0.30%2085 0.01% 0.22% 0.10% 0.14% 0.00% 0.12% 0.28% 0.21% 0.24% 0.27%2086 0.01% 0.18% 0.07% 0.11% 0.00% 0.08% 0.21% 0.17% 0.16% 0.25%2087 0.00% 0.16% 0.05% 0.10% 0.00% 0.07% 0.19% 0.15% 0.14% 0.23%2088 0.00% 0.14% 0.04% 0.09% 0.00% 0.06% 0.16% 0.13% 0.13% 0.21%2089 0.00% 0.12% 0.03% 0.08% 0.00% 0.05% 0.14% 0.12% 0.11% 0.19%2090 0.00% 0.11% 0.03% 0.07% 0.00% 0.05% 0.13% 0.11% 0.11% 0.17%2091 0.00% 0.09% 0.02% 0.06% 0.00% 0.04% 0.10% 0.09% 0.09% 0.15%2092 0.00% 0.07% 0.01% 0.05% 0.00% 0.03% 0.09% 0.08% 0.09% 0.13%2093 0.00% 0.06% 0.01% 0.04% 0.00% 0.02% 0.07% 0.07% 0.06% 0.12%2094 0.00% 0.05% 0.01% 0.03% 0.00% 0.02% 0.06% 0.06% 0.05% 0.10%2095 0.00% 0.04% 0.01% 0.03% 0.00% 0.02% 0.05% 0.05% 0.05% 0.09%2096 0.00% 0.03% 0.00% 0.02% 0.00% 0.01% 0.04% 0.04% 0.04% 0.07%2097 0.00% 0.02% 0.00% 0.02% 0.00% 0.01% 0.03% 0.03% 0.03% 0.06%2098 0.00% 0.02% 0.00% 0.01% 0.00% 0.01% 0.02% 0.03% 0.02% 0.05%2099 0.00% 0.05% 0.00% 0.01% 0.00% 0.01% 0.02% 0.02% 0.02% 0.05%2100 0.00% 0.00% 0.00% 0.01% 0.00% 0.00% 0.01% 0.02% 0.02% 0.04%2101 0.00% 0.00% 0.00% 0.01% 0.00% 0.00% 0.01% 0.01% 0.01% 0.03%2102 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.02%2103 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.02%2104 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.00% 0.00% 0.01%2105 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.00% 0.01%2106 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01%2107 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.02%2108 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2109 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2110 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2111 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2112 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2113 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2114 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2115 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%






---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


2016 4.64% 3.48% 2.58% 2.75% 3.86% 2.78% 2.76% 2.24% 2.21% 2.56%2017 4.28% 3.95% 2.62% 2.46% 3.18% 1.80% 2.54% 1.98% 1.84% 2.34%2018 4.29% 4.65% 3.04% 2.78% 3.47% 2.04% 2.87% 3.52% 2.27% 2.50%2019 3.95% 4.45% 2.97% 2.86% 3.18% 2.01% 2.80% 3.55% 2.83% 2.53%2020 3.86% 4.71% 3.28% 3.21% 3.47% 2.20% 2.91% 3.88% 3.00% 2.83%2021 3.43% 4.19% 2.91% 2.82% 2.99% 2.01% 2.69% 3.40% 2.72% 2.60%2022 4.31% 4.58% 3.49% 3.28% 3.34% 2.48% 3.55% 3.78% 3.20% 3.06%2023 3.12% 3.86% 2.78% 2.76% 2.75% 1.96% 2.79% 3.32% 2.59% 2.48%2024 2.95% 3.75% 2.72% 2.64% 2.62% 1.96% 2.74% 3.16% 2.68% 2.47%2025 3.07% 4.09% 3.01% 3.00% 2.80% 2.20% 2.93% 3.38% 2.95% 2.86%2026 2.67% 3.43% 2.59% 2.56% 2.36% 1.91% 2.61% 2.86% 2.55% 2.56%2027 2.55% 3.32% 2.54% 2.76% 2.33% 1.90% 2.56% 2.74% 2.50% 2.55%2028 2.44% 3.16% 2.47% 2.63% 2.23% 1.87% 2.49% 2.62% 2.43% 2.42%2029 2.79% 3.47% 2.69% 2.87% 2.44% 2.32% 2.74% 2.77% 2.73% 2.72%2030 2.42% 3.20% 2.66% 2.79% 2.28% 2.03% 2.53% 2.61% 2.53% 2.42%2031 2.16% 2.77% 2.35% 2.50% 2.00% 1.82% 2.32% 2.32% 2.26% 2.29%2032 2.09% 2.64% 2.29% 2.38% 1.94% 1.80% 2.27% 2.23% 2.21% 2.18%2033 2.02% 2.54% 2.24% 2.33% 1.89% 1.79% 2.22% 2.15% 2.16% 2.14%2034 1.95% 2.40% 2.18% 2.29% 1.83% 1.76% 2.16% 2.07% 2.10% 2.07%2035 2.10% 2.62% 2.39% 2.62% 2.04% 1.98% 2.31% 2.25% 2.33% 2.26%2036 2.16% 2.51% 2.17% 2.43% 1.98% 2.17% 2.31% 2.12% 2.29% 2.28%2037 1.76% 2.05% 2.01% 2.11% 1.70% 1.70% 2.00% 1.87% 1.94% 1.92%2038 1.71% 1.94% 1.95% 2.05% 1.66% 1.68% 1.95% 1.81% 1.89% 1.87%2039 1.66% 1.85% 1.90% 2.05% 1.63% 1.67% 1.91% 1.75% 1.85% 1.88%2040 1.75% 1.89% 2.01% 2.14% 1.74% 1.80% 1.96% 1.83% 1.97% 1.87%2041 1.55% 1.62% 1.79% 1.87% 1.55% 1.61% 1.80% 1.64% 1.75% 1.73%2042 1.50% 1.53% 1.73% 1.81% 1.52% 1.60% 1.75% 1.59% 1.70% 1.70%2043 1.71% 1.63% 1.75% 1.99% 1.68% 1.96% 1.89% 1.67% 1.88% 1.94%2044 1.40% 1.32% 1.62% 1.69% 1.45% 1.75% 1.65% 1.49% 1.61% 1.60%2045 1.53% 1.43% 1.75% 1.87% 1.62% 1.94% 1.76% 1.62% 1.80% 1.71%2046 1.31% 1.14% 1.52% 1.57% 1.38% 1.69% 1.55% 1.40% 1.51% 1.51%2047 1.26% 1.05% 1.46% 1.55% 1.35% 1.66% 1.50% 1.35% 1.47% 1.51%2048 1.22% 0.98% 1.41% 1.45% 1.33% 1.64% 1.46% 1.31% 1.43% 1.43%2049 1.17% 0.89% 1.36% 1.39% 1.29% 1.60% 1.40% 1.26% 1.38% 1.39%2050 1.44% 1.02% 1.46% 1.61% 1.54% 1.90% 1.58% 1.42% 1.65% 1.62%2051 1.08% 0.74% 1.26% 1.31% 1.23% 1.55% 1.31% 1.18% 1.29% 1.35%2052 1.03% 0.66% 1.21% 1.21% 1.19% 1.51% 1.26% 1.14% 1.25% 1.26%2053 0.99% 0.60% 1.16% 1.15% 1.16% 1.48% 1.21% 1.09% 1.21% 1.22%2054 0.94% 0.54% 1.11% 1.10% 1.13% 1.45% 1.16% 1.05% 1.17% 1.18%2055 1.03% 0.55% 1.17% 1.22% 1.25% 1.57% 1.22% 1.13% 1.30% 1.28%2056 0.85% 0.42% 1.01% 0.98% 1.06% 1.37% 1.07% 0.97% 1.08% 1.10%2057 0.96% 0.44% 1.00% 1.02% 1.16% 1.52% 1.12% 1.01% 1.16% 1.23%2058 0.77% 0.32% 0.92% 0.87% 1.00% 1.30% 0.97% 0.89% 1.00% 1.02%2059 0.72% 0.28% 0.87% 0.84% 0.96% 1.26% 0.92% 0.85% 0.96% 1.01%2060 0.77% 0.27% 0.88% 0.84% 1.02% 1.33% 0.93% 0.87% 1.02% 0.99%2061 0.64% 0.20% 0.79% 0.71% 0.89% 1.19% 0.83% 0.76% 0.87% 0.90%2062 0.60% 0.17% 0.74% 0.66% 0.85% 1.15% 0.79% 0.72% 0.84% 0.86%2063 0.56% 0.14% 0.70% 0.64% 0.82% 1.11% 0.74% 0.68% 0.80% 0.85%2064 0.62% 0.14% 0.68% 0.62% 0.88% 1.21% 0.76% 0.69% 0.84% 0.90%2065 0.56% 0.11% 0.67% 0.59% 0.85% 1.13% 0.71% 0.67% 0.84% 0.81%






---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)


2066 0.44% 0.08% 0.58% 0.48% 0.71% 0.99% 0.61% 0.56% 0.68% 0.70%2067 0.40% 0.06% 0.55% 0.45% 0.67% 0.94% 0.56% 0.52% 0.64% 0.69%2068 0.37% 0.05% 0.51% 0.40% 0.63% 0.90% 0.52% 0.48% 0.61% 0.63%2069 0.33% 0.04% 0.48% 0.36% 0.60% 0.86% 0.48% 0.45% 0.57% 0.59%2070 0.34% 0.03% 0.46% 0.35% 0.61% 0.87% 0.46% 0.44% 0.60% 0.58%2071 0.32% 0.02% 0.41% 0.32% 0.58% 0.88% 0.44% 0.40% 0.55% 0.62%2072 0.24% 0.01% 0.38% 0.26% 0.49% 0.73% 0.37% 0.34% 0.47% 0.48%2073 0.21% 0.01% 0.34% 0.23% 0.45% 0.68% 0.33% 0.31% 0.43% 0.44%2074 0.18% 0.01% 0.31% 0.20% 0.41% 0.64% 0.29% 0.27% 0.40% 0.41%2075 0.18% 0.01% 0.30% 0.21% 0.43% 0.65% 0.28% 0.27% 0.43% 0.43%2076 0.13% 0.00% 0.26% 0.16% 0.34% 0.55% 0.23% 0.21% 0.34% 0.34%2077 0.11% 0.00% 0.23% 0.14% 0.31% 0.51% 0.20% 0.19% 0.31% 0.31%2078 0.11% 0.00% 0.21% 0.12% 0.31% 0.54% 0.19% 0.17% 0.31% 0.33%2079 0.07% 0.00% 0.18% 0.10% 0.24% 0.42% 0.15% 0.14% 0.25% 0.26%2080 0.07% 0.00% 0.16% 0.09% 0.23% 0.40% 0.13% 0.12% 0.25% 0.24%2081 0.05% 0.00% 0.14% 0.07% 0.19% 0.35% 0.11% 0.10% 0.20% 0.20%2082 0.04% 0.00% 0.12% 0.06% 0.16% 0.31% 0.09% 0.08% 0.18% 0.17%2083 0.03% 0.00% 0.10% 0.06% 0.14% 0.27% 0.07% 0.06% 0.16% 0.16%2084 0.02% 0.00% 0.09% 0.05% 0.12% 0.24% 0.06% 0.05% 0.14% 0.13%2085 0.02% 0.00% 0.07% 0.04% 0.12% 0.26% 0.05% 0.05% 0.15% 0.13%2086 0.01% 0.00% 0.06% 0.03% 0.08% 0.18% 0.03% 0.03% 0.10% 0.09%2087 0.01% 0.00% 0.05% 0.03% 0.06% 0.15% 0.03% 0.02% 0.08% 0.08%2088 0.02% 0.00% 0.04% 0.02% 0.05% 0.12% 0.02% 0.02% 0.07% 0.06%2089 0.00% 0.00% 0.03% 0.02% 0.04% 0.10% 0.01% 0.01% 0.06% 0.04%2090 0.00% 0.00% 0.08% 0.02% 0.03% 0.09% 0.01% 0.01% 0.05% 0.04%2091 0.00% 0.00% 0.00% 0.06% 0.02% 0.07% 0.01% 0.01% 0.04% 0.03%2092 0.00% 0.00% 0.00% 0.00% 0.07% 0.06% 0.00% 0.00% 0.03% 0.02%2093 0.00% 0.00% 0.00% 0.00% 0.00% 0.15% 0.00% 0.00% 0.02% 0.01%2094 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.02% 0.01%2095 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.02% 0.01%2096 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.04% 0.00%2097 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01%2098 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2099 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2100 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2101 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2102 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2103 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2104 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2105 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2106 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2107 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2108 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2109 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2110 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2111 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2112 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2113 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2114 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%2115 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%


Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix BEstimation of Historical NICA Inflation - Paid and Case Outstanding Basis Exhibit I

Sheet 1

EstimatedAccident Accident Accident Accident Accident Accident Accident Accident Accident

Year Year Year Year Year Year Year Year Year1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31

Expense Group 2008 2009 2010 2011 2012 2013 2014 2015 2016---------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- --------------

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Incremental Payments By Major Expense Groups

Legal Expense 1,117,819 1,251,650 N/A 1,348,962 1,472,264 1,046,543 1,232,427 668,653 668,653 Parental Award 1,621,648 1,521,430 N/A 1,772,862 854,442 1,254,414 1,404,094 1,186,749 1,186,749

Medical Expense 502,243 584,938 N/A 795,785 792,882 845,548 967,563 974,935 974,935 Nursing Care - By Parents & Family Care 2,280,726 3,586,973 N/A 5,533,089 5,409,777 6,505,561 7,530,367 8,620,254 8,620,254

Nursing Care - By Others 2,022,477 2,072,130 N/A 2,555,000 3,010,739 2,668,850 2,444,120 2,416,880 2,416,880 Custodial 29,076 18,070 N/A 19,113 98,021 73,571 172,325 30,724 30,724

Other 1,338,828 1,317,625 N/A 2,305,512 1,339,156 1,717,202 1,761,129 1,925,764 1,925,764 Totals: 8,912,818 10,352,817 14,330,324 12,977,280 14,111,688 15,512,025 15,823,958 15,823,958

Case Outstanding By Major Expense Groups

Legal Expense 739,159 1,016,335 1,659,638 2,385,144 836,323 660,811 228,321 88,453 88,453 Parental Award 311,440 371,029 589,640 605,992 353,242 603,806 515,023 812,964 812,964

Medical Expense 28,168,684 31,284,580 45,291,470 53,134,220 51,818,777 52,678,076 54,293,469 56,178,917 56,178,917 Nursing Care - By Parents & Family Care 51,105,085 61,522,465 82,024,515 85,104,653 130,484,827 122,444,207 138,840,113 154,500,907 154,500,907

Nursing Care - By Others 229,063,637 247,156,314 283,976,757 319,886,113 285,088,770 292,576,532 284,914,056 284,634,842 284,634,842 Custodial 64,170,720 55,975,200 56,034,080 60,833,849 118,024,732 117,392,957 132,525,811 134,228,759 134,228,759

Other 52,596,208 58,056,740 68,822,838 77,191,310 75,879,069 76,658,051 78,245,243 82,827,705 82,827,705 Totals: 426,154,933 455,382,663 538,398,938 599,141,281 662,485,739 663,014,440 689,562,035 713,272,547 713,272,547

Percentage by Expense Group - Based on Incremental Payments

Legal Expense 12.54% 12.09% 10.75% 9.41% 11.34% 7.42% 7.94% 4.23% 4.23%Parental Award 18.19% 14.70% 13.53% 12.37% 6.58% 8.89% 9.05% 7.50% 7.50%

Medical Expense 5.64% 5.65% 5.60% 5.55% 6.11% 5.99% 6.24% 6.16% 6.16%Nursing Care - By Parents & Family Care 25.59% 34.65% 36.63% 38.61% 41.69% 46.10% 48.55% 54.48% 54.48%

Nursing Care - By Others 22.69% 20.02% 18.92% 17.83% 23.20% 18.91% 15.76% 15.27% 15.27%Custodial 0.33% 0.17% 0.15% 0.13% 0.76% 0.52% 1.11% 0.19% 0.19%

Other 15.02% 12.73% 14.41% 16.09% 10.32% 12.17% 11.35% 12.17% 12.17%

Percentage by Expense Group - Based on Case Outstanding




Other 12.34% 12.75% 12.78% 12.88% 11.45% 11.56% 11.35% 11.61% 11.61%

Estimated Inflation By Component - Paid Basis

Legal Expense (a) 3.72% 3.72% 3.72% 3.72% 3.72% 3.72% 3.72% 3.72% 3.72%Parental Award (b) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Medical Expense (c) 2.65% 3.37% 3.28% 3.49% 3.21% 2.01% 2.96% 2.58% 1.67%Nursing Care - By Parents & Family Care (d) 27.32% 21.46% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Nursing Care - By Others (e) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%Custodial (f) 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Other (g) 0.09% 2.72% 1.50% 2.96% 1.74% 1.50% 0.76% 0.73% 0.68%

Estimated Inflation By Component - Outstanding Basis


Medical Expense (h) 1.59% 2.02% 1.97% 2.09% 1.93% 1.21% 1.77% 1.55% 1.00%Nursing Care - By Parents & Family Care (d) 54.64% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%


Other (h) 0.05% 1.63% 0.90% 1.78% 1.04% 0.90% 0.45% 0.44% 0.41%

Combined (i)Estimated Inflation - Paid Basis 6.50% 7.62% 0.78% 1.00% 0.78% 0.57% 0.55% 0.40% 0.34%Estimated Inflation - O/S Basis 4.55% 0.35% 0.29% 0.42% 9.83% 0.72% 0.19% 0.17% 0.13%

Note: See Appendix B, Exhibit I, Sheet 4 for footnotes.


Sheet 2

Accident Accident Accident Accident Accident Accident Accident Accident AccidentYear Year Year Year Year Year Year Year Year

1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31Expense Group 1999 2000 2001 2002 2003 2004 2005 2006 2007

---------- ---------- ---------- ---------- -------------- -------------- -------------- -------------- -------------- --------------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)


Legal Expense 489,006 547,451 789,578 768,406 699,574 753,238 761,521 768,799 911,182 Parental Award 1,556,838 1,684,863 1,569,503 1,380,762 1,448,569 1,266,247 987,149 1,088,568 1,483,153

Medical Expense 335,203 324,050 361,786 316,867 379,945 477,673 486,436 414,019 438,949 Nursing Care - By Parents & Family Care 84,323 77,850 107,770 265,098 500,284 664,698 959,815 1,287,167 1,455,477

Nursing Care - By Others 1,123,079 1,661,676 1,774,150 1,570,635 1,664,923 1,767,678 2,126,820 2,368,333 2,187,588 Custodial 103,378 47,053 14,388 7,179 13,490 29,407 19,776 20,370 38,594

Other 357,161 406,846 640,781 809,365 834,009 1,296,472 1,401,403 1,083,585 1,177,848 Totals: 4,048,988 4,749,789 5,257,955 5,118,312 5,540,794 6,255,412 6,742,920 7,030,842 7,692,791


Legal ExpenseParental Award

Medical ExpenseNursing Care - By Parents & Family Care

Nursing Care - By OthersCustodial

OtherTotals:





Other 8.82% 8.57% 12.19% 15.81% 15.05% 20.73% 20.78% 15.41% 15.31%





Other 12.34% 12.34% 12.34% 12.34% 12.34% 12.34% 12.34% 12.34% 12.34%





Other (g) 2.68% 3.39% 1.55% 2.38% 1.88% 3.26% 3.42% 2.54% 4.08%





Other (h) 1.61% 2.03% 0.93% 1.43% 1.13% 1.95% 2.05% 1.52% 2.45%




Sheet 3

Accident Accident Accident Accident Accident Accident Accident Accident AccidentYear Year Year Year Year Year Year Year Year

1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31 1/1 - 12/31Expense Group 1990 1991 1992 1993 1994 1995 1996 1997 1998

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)


Legal Expense N/A 192,899 361,181 423,066 495,111 611,088 566,488 466,635 535,583 Parental Award N/A 574,493 682,393 568,464 1,034,652 1,775,690 1,305,192 1,065,584 1,452,768

Medical Expense N/A 111,200 100,481 114,259 120,146 140,970 170,987 187,374 326,563 Nursing Care - By Parents & Family Care N/A 125,469 104,966 46,536 18,312 42,905 60,030 39,920 87,805

Nursing Care - By Others N/A 47,350 80,085 109,144 135,969 265,078 505,495 769,201 974,683 Custodial N/A 19,122 77,831 107,096 93,591 93,012 100,527 121,690 136,171

Other N/A 43,241 73,598 73,204 69,438 118,678 179,756 257,990 317,394 Totals: 1,113,775 1,480,534 1,441,768 1,967,220 3,047,422 2,888,475 2,908,394 3,830,965


Legal ExpenseParental Award

Medical ExpenseNursing Care - By Parents & Family Care

Nursing Care - By OthersCustodial

OtherTotals:





Other 3.88% 3.88% 4.97% 5.08% 3.53% 3.89% 6.22% 8.87% 8.28%





Other 12.34% 12.34% 12.34% 12.34% 12.34% 12.34% 12.34% 12.34% 12.34%





Other (g) 6.11% 3.06% 2.90% 2.75% 2.67% 2.54% 3.32% 1.70% 1.61%





Other (h) 3.66% 1.84% 1.74% 1.65% 1.60% 1.52% 1.99% 1.02% 0.97%




Sheet 4

Footnotes for Appendix B, Exhibit I, Sheets 1 to 3

Notes: (a) Increase in legal fees based on change in hourly rate from $ 75 to $ 150 over the period from 1989 to 2008 - assumed annual inflation of 3.72 % (b) The parental award amounts have not changed. (c) The estimated inflation rate by year for all payments related to medical items is based on the CPI - Medical Care Index. (d) The hourly rates for nursing care by parents have remained constant until June 2008 - the estimated change for 2008 and 2009 are developed assuming the increase in hourly rate from $9.70 to $15.00 occurred for paid losses before and after July 1, 2008. This change in hourly rate for nursing care by parents resulted in inflation rates of 27.32% ($12.35 / $9.70) and 21.46% ($15.00 / $12.35) for 2008 and 2009, respectively for paid basis. It resulted in an inflation rate of 54.64% ($15.00 / $9.70) for case outstanding basis in 2008. (e) The amounts for nursing care by others have not changed. (f) The daily rates used to estimate the future cost of custodial residential care were revised in December 2004, 2005, 2006, 2012 and 2013. These changes in the custodial residential care daily rate resulted in the estimated inflation rates of 40%, 3%, 40%, 95% and 3% for 2004, 2005, 2006, 2012 & 2013, respectively. This inflation change affects outstanding only. (g) Inflation ralated to all other payments is based on All Items CPI Index - Seasonally Adjusted. (h) The estimated inflation related to case outstanding (Medical and Other) is based on 60 % of CPI since a portion of the outstanding reserve estimate has. (i) Weighted average of inverse of one plus the estimated inflation by component and the percent by component (paid and outstanding separately).

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix BSummary of Historical Investment Returns Exhibit II

Sheet 1

Total Returns Difference Between Average Returns------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ Annual --------------------------------------------------------------------------------------------------

CPI CPI 5 Year Large Small Inter. U.S. Coporate Conservative NICA Medical v Model v Model Conservative NICA vCPI All Items Medical Avg % Chg Company Company Long-Term Term - Gov't Treasury Bonds Model Model Return on 5 Yr Avg CPI 5 Yr Avg CPI v CPI Model v CPI CPI

Year All Items % Change Index % Chg CPI All Items Stocks Stocks Govt. Bonds Bonds Bills (Aaa Moody's) Portfolio Portfolio Investment (4) - (5) (12) - (5) (12) - (3) (13) - (3) (14) - (3)-------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- --------------

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19)

1986 110.50 1.10% 7.71% 3.29% 18.67% 6.85% 24.53% 15.14% 6.16% 9.02% 14.49% 16.68% 4.41% 11.20% 13.39% 15.58%1987 115.40 4.43% 5.80% 3.41% 5.25% -9.30% -2.71% 2.90% 5.47% 9.38% 6.27% -0.38% 2.39% 2.85% 1.83% -4.81%1988 120.50 4.42% 6.91% 3.54% 16.61% 22.87% 9.67% 6.10% 6.35% 9.71% 12.02% 11.96% 3.37% 8.48% 7.60% 7.54%1989 126.10 4.65% 8.50% 3.68% 31.69% 10.18% 18.11% 13.29% 8.37% 9.26% 19.93% 17.17% 4.82% 16.25% 15.29% 12.52%1990 133.80 6.11% 9.59% 4.14% -3.10% -21.56% 6.18% 9.73% 7.82% 9.32% 3.94% 0.85% 5.44% -0.20% -2.17% -5.26%1991 137.90 3.06% 7.92% 4.53% 30.47% 44.63% 19.30% 15.46% 5.59% 8.77% 19.66% 23.85% 5.88% 3.39% 15.12% 16.59% 20.79% 2.82%1992 141.90 2.90% 6.63% 4.23% 7.62% 23.35% 8.05% 7.19% 3.51% 8.14% 7.72% 10.17% 3.27% 2.40% 3.49% 4.82% 7.27% 0.37%1993 145.80 2.75% 5.39% 3.89% 10.08% 20.98% 18.24% 11.24% 2.90% 7.22% 9.28% 14.42% 3.12% 1.50% 5.39% 6.53% 11.68% 0.37%1994 149.70 2.67% 4.92% 3.50% 1.32% 3.11% -7.77% -5.14% 3.91% 7.96% 2.42% -2.90% 3.62% 1.42% -1.08% -0.26% -5.58% 0.95%1995 153.50 2.54% 3.95% 2.79% 37.58% 34.46% 31.67% 16.80% 5.60% 7.59% 22.63% 27.43% 6.96% 1.16% 19.84% 20.09% 24.89% 4.42%1996 158.60 3.32% 3.04% 2.84% 22.96% 17.62% -0.93% 2.10% 5.21% 7.37% 13.18% 7.71% 5.79% 0.20% 10.34% 9.85% 4.39% 2.47%1997 161.30 1.70% 2.82% 2.60% 33.36% 22.78% 15.85% 8.38% 5.26% 7.26% 18.97% 17.36% 6.10% 0.22% 16.37% 17.27% 15.65% 4.40%1998 163.90 1.61% 3.42% 2.37% 28.58% -7.31% 13.06% 10.21% 4.86% 6.53% 16.97% 10.95% 6.20% 1.05% 14.60% 15.36% 9.33% 4.59%1999 168.30 2.68% 3.67% 2.37% 21.04% 29.79% -8.97% -1.77% 4.68% 7.04% 11.44% 5.91% 4.54% 1.30% 9.07% 8.75% 3.22% 1.86%2000 174.00 3.39% 4.17% 2.54% -9.10% -3.59% 21.48% 12.59% 5.89% 7.62% 1.26% 8.29% 13.11% 1.63% -1.28% -2.13% 4.91% 9.72%2001 176.70 1.55% 4.72% 2.19% -11.89% 22.77% 3.70% 7.62% 3.83% 7.08% -1.16% 5.49% 3.98% 2.53% -3.35% -2.71% 3.94% 2.43%2002 180.90 2.38% 5.05% 2.32% -22.11% -13.28% 17.84% 12.93% 1.65% 6.49% -4.81% 3.12% -8.52% 2.73% -7.13% -7.18% 0.74% -10.90%2003 184.30 1.88% 3.71% 2.38% 28.68% 60.70% 1.45% 2.40% 1.02% 5.67% 15.14% 16.85% 19.99% 1.33% 12.76% 13.26% 14.97% 18.11%2004 190.30 3.26% 4.24% 2.49% 10.88% 18.39% 8.51% 2.25% 1.20% 5.63% 7.26% 8.41% 10.27% 1.75% 4.77% 4.01% 5.15% 7.01%2005 196.80 3.42% 4.29% 2.50% 4.91% 5.69% 7.81% 1.36% 2.98% 5.24% 4.32% 4.76% 8.92% 1.79% 1.82% 0.90% 1.34% 5.50%2006 201.80 2.54% 3.56% 2.69% 15.79% 16.17% 1.19% 3.14% 4.80% 5.59% 9.59% 7.13% 12.77% 0.87% 6.89% 7.05% 4.59% 10.23%2007 210.04 4.08% 5.16% 3.03% 5.49% -5.22% 9.88% 10.05% 4.66% 5.56% 6.43% 6.26% 8.72% 2.13% 3.39% 2.34% 2.18% 4.64%2008 210.23 0.09% 2.65% 2.68% -37.00% -36.72% 25.87% 13.11% 1.60% 5.63% -11.63% -1.13% -25.81% -0.03% -14.31% -11.72% -1.22% -25.90%2009 215.95 2.72% 3.37% 2.57% 26.46% 25.57% 4.08% 2.82% 0.45% 5.61% 14.23% 11.20% 20.99% 0.80% 11.66% 11.51% 8.48% 18.27%2010 219.18 1.50% 3.28% 2.19% 15.06% 26.31% 4.25% 2.62% 0.30% 4.94% 8.93% 9.32% 13.89% 1.09% 6.74% 7.43% 7.82% 12.39%2011 225.67 2.96% 3.49% 2.27% 2.11% 1.02% 3.91% 2.16% 0.17% 4.64% 3.03% 2.38% 0.37% 1.22% 0.76% 0.07% -0.59% -2.60%2012 229.60 1.74% 3.21% 1.80% 16.00% 16.33% 2.92% 1.22% 0.17% 3.67% 8.61% 6.91% 11.10% 1.41% 6.80% 6.86% 5.17% 9.36%2013 233.05 1.50% 2.01% 2.08% 32.39% 41.31% 3.45% 1.74% 0.13% 4.23% 16.12% 14.46% 12.86% -0.07% 14.04% 14.62% 12.96% 11.36%2014 234.81 0.76% 2.96% 1.69% 13.69% 5.76% 3.34% 2.14% 0.11% 4.16% 7.95% 5.05% 5.82% 1.27% 6.26% 7.19% 4.30% 5.07%2015 236.53 0.73% 2.58% 1.54% 1.38% -1.97% 2.84% 1.89% 0.30% 3.89% 2.39% 1.33% -1.65% 1.04% 0.85% 1.66% 0.60% -2.38%

Geometric Mean of Annual Return:1926 - 1929 -0.95% 19.19% -4.50% 5.00% 4.19% 3.67% 4.64% 11.43% 6.72% 12.38% 7.67%1930 - 1939 -2.04% 0.65% -2.06% -0.05% 1.38% 4.88% 4.58% 0.56% 3.89% 3.65% 5.32% 2.71% 5.71% 5.68% 7.36%1940 - 1949 5.36% 3.66% 4.73% 9.17% 20.69% 3.24% 1.83% 0.41% 2.71% 5.64% 7.39% -1.07% 0.91% 0.28% 2.03%1950 - 1959 2.22% 3.88% 2.54% 19.35% 16.90% -0.07% 1.34% 1.86% 3.30% 10.35% 7.34% 1.34% 7.81% 8.13% 5.12%1960 - 1969 2.52% 4.11% 1.98% 7.81% 15.53% 1.45% 3.48% 3.88% 5.00% 6.18% 6.43% 2.13% 4.20% 3.66% 3.91%1970 - 1979 7.36% 8.03% 6.40% 5.87% 11.49% 5.52% 6.98% 6.31% 8.23% 7.35% 7.79% 1.63% 0.95% -0.01% 0.43%1980 - 1989 5.10% 8.14% 6.24% 17.55% 15.83% 12.61% 11.91% 8.89% 11.32% 14.37% 13.99% 1.90% 8.13% 9.27% 8.90%1990 - 1999 2.93% 5.11% 3.32% 18.21% 15.09% 8.79% 7.20% 4.93% 7.72% 12.43% 11.21% 5.04% 1.79% 9.11% 9.50% 8.28% 2.12%2000 - 2009 2.52% 4.09% 2.54% -0.95% 6.09% 9.88% 6.72% 2.79% 6.01% 3.75% 6.94% 5.49% 1.55% 1.21% 1.23% 4.42% 2.96%2010 - 2015 1.53% 2.92% 1.93% 12.98% 13.82% 3.45% 1.96% 0.20% 4.25% 7.74% 6.48% 6.89% 0.99% 5.81% 6.21% 4.96% 5.36%1991 - 2015 2.30% 4.00% 2.64% 9.82% 12.82% 8.02% 5.63% 2.81% 6.13% 8.11% 8.77% 5.66% 1.36% 5.47% 5.80% 6.47% 3.36%

Annual Std. Deviation:1926 - 1929 1.43% 24.06% 39.46% 4.07% 2.28% 0.72% 0.10% 10.19% 10.50% 8.75% 9.07%1930 - 1939 5.01% 0.56% 2.88% 34.67% 60.30% 6.04% 3.61% 0.75% 0.72% 15.38% 16.88% -2.32% 12.50% 10.37% 11.87%1940 - 1949 5.93% 2.71% 2.19% 16.51% 37.03% 3.75% 0.81% 0.33% 0.10% 7.34% 9.87% 0.52% 5.15% 1.41% 3.93%1950 - 1959 2.26% 0.99% 1.78% 19.79% 27.09% 4.86% 2.71% 0.75% 0.55% 8.36% 7.63% -0.79% 6.58% 6.09% 5.37%1960 - 1969 1.80% 1.94% 0.84% 14.39% 32.07% 6.23% 3.52% 1.35% 0.95% 6.02% 6.99% 1.11% 5.18% 4.21% 5.19%1970 - 1979 3.45% 2.90% 1.48% 19.24% 31.10% 6.80% 4.69% 1.94% 0.76% 8.83% 9.68% 1.42% 7.35% 5.38% 6.23%1980 - 1989 3.22% 2.28% 2.83% 12.68% 17.20% 15.11% 8.08% 2.79% 1.91% 6.08% 8.89% -0.56% 3.25% 2.86% 5.68%1990 - 1999 1.24% 2.26% 0.83% 14.16% 19.98% 12.82% 7.09% 1.36% 0.84% 6.87% 9.53% 1.44% 1.44% 6.04% 5.63% 8.29% 0.20%2000 - 2009 1.15% 0.79% 0.23% 21.11% 26.32% 8.67% 4.96% 1.89% 0.78% 8.38% 4.80% 14.05% 0.55% 8.15% 7.24% 3.65% 12.90%2010 - 2015 0.82% 0.54% 0.29% 11.33% 16.68% 0.55% 0.47% 0.08% 0.47% 4.97% 4.84% 6.62% 0.25% 4.67% 4.15% 4.03% 5.80%1991 - 2015 0.97% 1.32% 0.73% 18.13% 20.68% 9.88% 5.71% 2.14% 1.43% 7.98% 7.12% 9.19% 0.59% 7.25% 7.01% 6.15% 8.22%

Column(2)-(11),(14) Provided by Client

(3) [Col (2) / Prior Col (2)] - 1(12) [44% Col (6)] + [20% Col (9)] + [36% Col (11)](13) [17.5% Col (6)] + [17.5% Col (7)] + [30% Col (8)] + [30% Col (9)] + [5% Col (10)]

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix BSummary of Historical Investment Returns Exhibit II

Sheet 2

Total Returns Difference Between Average Returns------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ Annual --------------------------------------------------------------------------------------------------

CPI CPI 5 Year Large Small Inter. U.S. Coporate Conservative NICA Medical v Model v Model Conservative NICA vCPI All Items Medical Avg % Chg Company Company Long-Term Term - Gov't Treasury Bonds Model Model Return on 5 Yr Avg CPI 5 Yr Avg CPI v CPI Model v CPI CPI

Year All Items % Change Index % Chg CPI All Items Stocks Stocks Govt. Bonds Bonds Bills (Aaa Moody's) Portfolio Portfolio Investment (4) - (5) (12) - (5) (12) - (3) (13) - (3) (14) - (3)-------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- -------------- --------------

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19)

1926 17.70 11.62% 0.30% 7.77% 5.39% 3.30% 4.73% 7.89% 6.20%1927 17.30 -2.26% 37.49% 22.03% 8.93% 4.52% 3.10% 4.57% 19.04% 14.61% 21.30% 16.87%1928 17.10 -1.16% 43.61% 39.71% 0.10% 0.92% 3.57% 4.55% 21.01% 15.07% 22.17% 16.22%1929 17.20 0.58% -8.42% -51.35% 3.42% 6.01% 4.71% 4.73% -0.80% -7.40% -1.39% -7.98%1930 16.10 -6.40% -24.90% -38.10% 4.66% 6.71% 2.42% 4.55% -7.98% -7.49% -1.58% -1.10%1931 14.60 -9.32% -3.71% -43.34% -49.71% -5.31% -2.32% 1.10% 4.58% -17.89% -18.52% -14.18% -8.57% -9.20%1932 13.10 -10.27% -5.31% -8.19% -5.41% 16.84% 8.81% 0.92% 5.01% -0.04% 5.36% 5.27% 10.23% 15.63%1933 13.20 0.76% -4.93% 53.99% 142.45% -0.07% 1.83% 0.33% 4.49% 25.74% 34.92% 30.67% 24.97% 34.16%1934 13.40 1.52% -4.74% -1.44% 24.24% 10.03% 9.00% 0.17% 4.00% 2.61% 9.71% 7.35% 1.09% 8.19%1935 13.80 2.99% -2.87% 47.67% 40.24% 4.98% 7.01% 0.16% 3.60% 23.67% 18.99% 26.54% 20.69% 16.00%1936 14.00 1.45% -0.71% 33.92% 64.73% 7.52% 3.06% 0.16% 3.24% 16.70% 20.45% 17.41% 15.25% 19.00%1937 14.40 2.86% 0.98% 1.91% -35.03% -58.01% 0.23% 1.56% 0.33% 3.26% -13.93% -15.73% -0.93% -15.84% -16.78% -18.59%1938 14.00 -2.78% 0.00% 1.21% 31.12% 32.82% 5.53% 6.23% 0.00% 3.19% 16.09% 14.72% -1.21% 14.88% 18.87% 17.50%1939 14.00 0.00% 0.97% 0.90% -0.41% 0.32% 5.94% 4.52% 0.00% 3.01% 1.81% 3.12% 0.07% 0.90% 1.81% 3.12%1940 14.10 0.71% 0.00% 0.45% -9.78% -5.14% 6.09% 2.96% 0.00% 2.84% -2.69% 0.10% -0.45% -3.14% -3.40% -0.61%1941 15.50 9.93% 0.96% 2.14% -11.59% -9.06% 0.93% 0.50% 0.08% 2.77% -4.00% -3.18% -1.18% -6.15% -13.93% -13.11%1942 16.90 9.03% 3.81% 3.38% 20.34% 44.59% 3.22% 1.94% 0.25% 2.83% 10.35% 12.92% 0.43% 6.98% 1.32% 3.89%1943 17.40 2.96% 4.59% 4.53% 25.90% 88.40% 2.09% 2.81% 0.33% 2.73% 12.94% 21.49% 0.06% 8.41% 9.98% 18.53%1944 17.80 2.30% 2.63% 4.99% 19.75% 53.70% 2.81% 1.80% 0.33% 2.72% 10.03% 14.25% -2.36% 5.04% 7.73% 11.95%1945 18.20 2.25% 2.56% 5.29% 36.44% 73.62% 10.73% 2.22% 0.32% 2.62% 17.42% 23.16% -2.73% 12.13% 15.17% 20.91%1946 21.50 18.13% 8.33% 6.93% -8.07% -11.63% -0.10% 1.00% 0.40% 2.53% -2.44% -3.16% 1.40% -9.37% -20.57% -21.29%1947 23.40 8.84% 6.92% 6.89% 5.71% 0.91% -2.62% 0.91% 0.48% 2.61% 3.63% 0.67% 0.03% -3.26% -5.20% -8.17%1948 24.10 2.99% 5.76% 6.90% 5.50% -2.10% 3.40% 1.85% 0.80% 2.82% 3.80% 2.21% -1.15% -3.10% 0.81% -0.78%1949 23.60 -2.07% 1.36% 6.03% 18.79% 19.74% 6.45% 2.32% 1.11% 2.66% 9.69% 9.43% -4.67% 3.66% 11.76% 11.50%1950 25.00 5.93% 3.36% 6.76% 31.71% 38.74% 0.06% 0.70% 1.18% 2.62% 15.04% 12.62% -3.41% 8.27% 9.10% 6.68%1951 26.50 6.00% 5.84% 4.34% 24.02% 7.81% -3.93% 0.36% 1.48% 2.86% 11.67% 4.57% 1.51% 7.33% 5.67% -1.43%1952 26.70 0.75% 4.29% 2.72% 18.37% 3.03% 1.16% 1.63% 1.68% 2.96% 9.47% 4.67% 1.57% 6.75% 8.72% 3.91%1953 26.90 0.75% 3.53% 2.27% -0.99% -6.48% 3.64% 3.23% 1.81% 3.20% 1.36% 0.84% 1.26% -0.91% 0.61% 0.10%1954 26.70 -0.74% 2.27% 2.54% 52.62% 60.58% 7.19% 2.68% 0.89% 2.90% 24.73% 22.82% -0.27% 22.19% 25.48% 23.56%1955 26.80 0.37% 3.33% 1.43% 31.56% 20.44% -1.29% -0.65% 1.54% 3.05% 14.86% 8.60% 1.91% 13.43% 14.48% 8.22%1956 27.60 2.99% 3.23% 0.82% 6.56% 4.28% -5.59% -0.42% 2.45% 3.36% 4.01% 0.22% 2.40% 3.19% 1.03% -2.77%1957 28.40 2.90% 4.69% 1.25% -10.78% -14.57% 7.46% 7.84% 3.17% 3.89% -1.78% 0.31% 3.43% -3.03% -4.68% -2.59%1958 28.90 1.76% 4.48% 1.46% 43.36% 64.89% -6.09% -1.29% 1.50% 3.79% 20.18% 16.80% 3.02% 18.73% 18.42% 15.04%1959 29.40 1.73% 3.81% 1.95% 11.96% 16.40% -2.26% -0.39% 2.96% 4.38% 6.76% 4.32% 1.86% 4.81% 5.03% 2.59%1960 29.80 1.36% 3.21% 2.15% 0.47% -3.29% 13.78% 11.76% 2.68% 4.41% 4.15% 7.30% 1.06% 2.00% 2.79% 5.94%1961 30.00 0.67% 3.11% 1.68% 26.89% 32.09% 0.97% 1.85% 2.10% 4.35% 13.77% 11.27% 1.43% 12.08% 13.10% 10.60%1962 30.40 1.33% 2.16% 1.37% -8.73% -11.90% 6.89% 5.56% 2.74% 4.33% -1.17% 0.26% 0.78% -2.54% -2.51% -1.07%1963 30.90 1.64% 2.53% 1.35% 22.80% 23.57% 1.21% 1.64% 3.16% 4.26% 11.89% 9.13% 1.18% 10.55% 10.25% 7.48%1964 31.20 0.97% 2.06% 1.20% 16.48% 23.52% 3.51% 4.04% 3.53% 4.41% 9.65% 9.44% 0.86% 8.45% 8.67% 8.47%1965 31.80 1.92% 2.82% 1.31% 12.45% 41.75% 0.71% 1.02% 3.92% 4.49% 7.30% 10.20% 1.51% 5.99% 5.38% 8.28%1966 32.90 3.46% 6.67% 1.87% -10.06% -7.01% 3.65% 4.69% 4.76% 5.13% -1.64% -0.25% 4.80% -3.51% -5.10% -3.71%1967 33.90 3.04% 6.25% 2.21% 23.98% 83.57% -9.18% 1.01% 4.23% 5.51% 12.74% 16.58% 4.04% 10.53% 9.70% 13.54%1968 35.50 4.72% 6.23% 2.82% 11.06% 35.97% -0.26% 4.54% 5.21% 6.18% 8.00% 9.77% 3.41% 5.17% 3.28% 5.05%1969 37.70 6.20% 6.19% 3.87% -8.50% -25.05% -5.07% -0.74% 6.57% 7.03% -1.36% -7.29% 2.32% -5.23% -7.55% -13.48%1970 39.80 5.57% 7.36% 4.60% 3.86% -17.43% 12.11% 16.86% 6.52% 8.04% 7.96% 6.64% 2.76% 3.37% 2.39% 1.07%1971 41.10 3.27% 4.57% 4.56% 14.30% 16.50% 13.23% 8.72% 4.40% 7.39% 10.70% 12.20% 0.01% 6.14% 7.43% 8.93%1972 42.50 3.41% 3.28% 4.63% 18.99% 4.43% 5.69% 5.16% 3.82% 7.21% 11.98% 7.54% -1.35% 7.35% 8.58% 4.14%1973 46.20 8.71% 5.29% 5.43% -14.69% -30.90% -1.11% 4.61% 6.92% 7.44% -2.86% -6.58% -0.14% -8.29% -11.57% -15.29%1974 51.90 12.34% 12.56% 6.66% -26.47% -19.95% 4.35% 5.69% 8.03% 8.57% -7.43% -4.71% 5.91% -14.08% -19.76% -17.05%1975 55.50 6.94% 9.82% 6.93% 37.23% 52.82% 9.20% 7.83% 5.79% 8.83% 21.12% 21.16% 2.89% 14.19% 14.19% 14.22%1976 58.20 4.86% 9.96% 7.25% 23.93% 57.38% 16.75% 12.87% 5.06% 8.43% 16.14% 23.37% 2.71% 8.89% 11.27% 18.50%1977 62.10 6.70% 8.87% 7.91% -7.16% 25.38% -0.69% 1.41% 5.12% 8.02% 0.02% 3.66% 0.96% -7.89% -6.68% -3.04%1978 67.70 9.02% 8.83% 7.97% 6.57% 23.46% -1.18% 3.49% 7.19% 8.73% 6.73% 6.31% 0.86% -1.24% -2.29% -2.71%1979 76.70 13.29% 10.14% 8.16% 18.61% 43.46% -1.23% 4.09% 10.37% 9.63% 12.47% 12.24% 1.98% 4.31% -0.82% -1.06%1980 86.30 12.52% 9.92% 9.28% 32.50% 39.88% -3.95% 3.91% 11.24% 11.94% 19.38% 13.22% 0.64% 10.10% 6.86% 0.70%1981 94.00 8.92% 12.50% 10.09% -4.92% 13.88% 1.86% 9.45% 14.70% 14.17% 4.83% 5.70% 2.41% -5.26% -4.10% -3.23%1982 97.60 3.83% 11.00% 9.52% 21.55% 28.01% 40.36% 29.10% 10.54% 13.79% 20.27% 30.04% 1.48% 10.75% 16.44% 26.21%1983 101.30 3.79% 6.40% 8.47% 22.56% 39.67% 0.65% 7.41% 8.81% 12.04% 15.74% 13.75% -2.07% 7.27% 11.95% 9.96%1984 105.30 3.95% 6.11% 6.60% 6.27% -6.67% 15.48% 14.02% 9.85% 12.71% 10.14% 9.27% -0.49% 3.54% 6.19% 5.32%1985 109.30 3.80% 6.76% 4.86% 31.73% 24.66% 30.97% 20.33% 7.72% 11.37% 22.12% 25.64% 1.91% 17.26% 18.32% 21.85%

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix CExhibit I

Development of Incurred Loss Tail Factor - 327 Months to UltimateBased on Inverse Power Curve Fit to Weighted Average All Year Factors

Summary of Indicated Tail FactorsBased on Alternative Time IntervalsBeginning at 51:63, 63:75 and 75:87 Month Factors (a)

Indicated IndicatedWtd. Avg. All Years Tail Factor Tail Factor

Beginning with Factor 63:75 327:Ult. 327:Ult.--------------------------------------------------- Based on Based on

Indicated Fitted Values Fitted ValuesFitted Intercept Slope Tail Factor Beginning with Beginning with

Interval Ln (a) b 327:Ult. 51:63 Factor 75:87 Factor ------------ ------------ ------------ ------------ ------------ ------------

(1) (2) (3) (4) (5) (6)

First 11 Factors 0.1312 2.1175 1.0123 1.0134 1.0164 First 10 Factors (1.2629) 1.4723 1.0314 1.0028 1.0380 First 9 Factors 1.4398 2.7401 1.0049 1.0025 1.1810 First 8 Factors 1.4080 2.7249 1.0050 1.0001 1.0219 First 7 Factors 7.2779 5.5606 1.0001 1.0002 1.0370 First 6 Factors 6.5148 5.1859 1.0001 1.0270 1.0002 First 5 Factors (3.5344) 0.1642 1.4412 1.0030 1.0006

Average of All 1.0707 1.0070 1.0421

Selected Tail Factor 327:Ult. 1.1190

Note: (a) Indicated tail factor based on inverse power curve fit (with y = 1 + a / (t + c)^b where c = -1) to various time intervals as described in column (1). An example is shown in Appendix C, Exhibit II, Sheets 1 and 2.

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix CExhibit II

Development of Incurred Loss Tail Factor - 327 Months to Ultimate Sheet 1Based on Inverse Power Curve Fit to Weighted Average All Year FactorsExample Shown Below for Fit to First Ten Dollar Weighted Average All Factors - Beginning with 51:63

Dev. Factor X Value Y Value Fitted Value Fitted LossIncremental Minus 1.0 Ln (Fact-1) Dev. Factor

Development D Fact - 1 Ln(1/t) Ln (Fact-1) Y = Col. (6) Fitted ValueMaturity T Value Factor (a) (3) - 1.0 Log (1/ Col.(2)) Log (Col. (4)) X = Col. (5) Exp (Col. (7)) 1.0 + Col. (8)---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

(1) (2) (3) (4) (5) (6) (7) (8) (9)

51 5.25 1.10400 0.1040 -1.6582 -2.2633 -2.7423 0.0644 1.064463 6.25 1.07367 0.0737 -1.8326 -2.6081 -3.3046 0.0367 1.036775 7.25 1.00284 0.0028 -1.9810 -5.8651 -3.7833 0.0227 1.022787 8.25 1.03165 0.0316 -2.1102 -3.4531 -4.2001 0.0150 1.015099 9.25 1.01921 0.0192 -2.2246 -3.9521 -4.5691 0.0104 1.0104

111 10.25 1.02980 0.0298 -2.3273 -3.5131 -4.9002 0.0074 1.0074123 11.25 1.00023 0.0002 -2.4204 -8.3970 -5.2005 0.0055 1.0055135 12.25 1.00100 0.0010 -2.5055 -6.9078 -5.4751 0.0042 1.0042147 13.25 1.04740 0.0474 -2.5840 -3.0491 -5.7282 0.0033 1.0033159 14.25 1.00286 0.0029 -2.6568 -5.8576 -5.9629 0.0026 1.0026

(10) Ln a - Intercept ======> 2.6062(11) a ======> 13.5472(12) b - Slope ======> 3.2254(13) Indicated Tail 327 to Ultimate ======> 1.0028(14) Selected Tail 327 to Ultimate ======> 1.1190

Note: (a) Based on inverse power curve fit to the incurred loss development (weighted average all years) factors as shown on Exhibit VII, Sheets 2a, 2b and 2c - 51:63 to 159:171.

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix CExhibit II

Development of Incurred Loss Tail Factor - 327 Months to Ultimate Sheet 2Based on Inverse Power Curve Fit to Factors Shown in Appendix C, Exhibit II, Sheet 1Extrapolated to 591 Months - Based on Approximate Life Expectancy at Age 27 (327 months)

Fitted Loss X Value Fitted Loss Dev. Factor

Dev. Factor CumulativeLn(1/t) Fitted Value (a) Fitted Value (Incremental) Product of

Maturity T Value Log (1/ Col.(2)) Ln (Fact-1) Exp (Col. (4)) 1.0 + Col. (5) Col. (6)---------- ---------- ---------- ---------- ---------- ---------- ----------

(1) (2) (3) (4) (5) (6) (7)

327 28.25 -3.34109 -8.1702 0.0003 1.0003 1.0028339 29.25 -3.37588 -8.2824 0.0003 1.0003 1.0025351 30.25 -3.40950 -8.3908 0.0002 1.0002 1.0022363 31.25 -3.44202 -8.4957 0.0002 1.0002 1.0020375 32.25 -3.47352 -8.5973 0.0002 1.0002 1.0018387 33.25 -3.50405 -8.6958 0.0002 1.0002 1.0016399 34.25 -3.53369 -8.7914 0.0002 1.0002 1.0014411 35.25 -3.56247 -8.8842 0.0001 1.0001 1.0013423 36.25 -3.59044 -8.9744 0.0001 1.0001 1.0012435 37.25 -3.61765 -9.0622 0.0001 1.0001 1.0010447 38.25 -3.64414 -9.1476 0.0001 1.0001 1.0009459 39.25 -3.66995 -9.2309 0.0001 1.0001 1.0008471 40.25 -3.69511 -9.3120 0.0001 1.0001 1.0007483 41.25 -3.71965 -9.3912 0.0001 1.0001 1.0006495 42.25 -3.74360 -9.4684 0.0001 1.0001 1.0005507 43.25 -3.76700 -9.5439 0.0001 1.0001 1.0005519 44.25 -3.78986 -9.6176 0.0001 1.0001 1.0004531 45.25 -3.81220 -9.6897 0.0001 1.0001 1.0003543 46.25 -3.83406 -9.7602 0.0001 1.0001 1.0003555 47.25 -3.85545 -9.8292 0.0001 1.0001 1.0002567 48.25 -3.87640 -9.8967 0.0001 1.0001 1.0001579 49.25 -3.89691 -9.9629 0.0000 1.0000 1.0001591 50.25 -3.91701 -10.0277 0.0000 1.0000 1.0000

Note: (a) Based on Slope and Intercept values shown in Appendix C, Exhibit II, Sheet 1 and X value shown in Column (3) above.

Florida Birth Related Neurological Injury Compensation Association Appendix DExhibit I

Actual Paid Loss and ALAECurrent Level Basis

Before Reinsurance Recovery

Paid Loss & ALAEBirth ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Year @ 12/31/09 (a) @ 12/31/10 (a) @ 12/31/11 (a) @ 12/31/12 (b) @ 12/31/13 (b) @ 12/31/14 (b) @ 12/31/15 (b) @ 3/31/16 (b)

----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- -----------(1) (2) (3) (4) (5) (6) (7) (8) (9)

1989 10,186,409 10,458,034 10,858,188 11,264,469 11,960,429 12,703,237 13,334,954 13,462,6651990 3,723,264 3,837,883 3,989,667 4,134,429 4,739,750 5,431,197 5,637,024 5,683,6881991 3,412,646 3,925,649 4,405,095 5,367,300 6,403,902 7,111,676 7,663,287 7,787,8591992 6,464,261 7,013,018 7,772,126 8,309,249 10,486,924 11,960,130 12,815,067 13,032,7331993 11,600,217 12,313,100 13,089,455 13,913,903 15,456,495 16,811,505 17,688,776 17,903,2221994 4,883,079 5,023,121 5,198,208 5,344,508 5,989,723 6,458,956 6,706,993 6,756,8331995 3,873,071 4,829,658 5,595,923 5,921,580 7,168,370 8,042,178 8,707,711 8,841,2141996 5,071,490 5,506,117 5,973,099 6,311,867 7,106,412 7,899,721 8,279,761 8,371,4641997 5,207,959 5,901,603 6,522,569 7,543,370 9,312,837 10,296,445 10,877,579 11,004,8341998 8,112,136 9,116,042 10,194,077 11,277,495 13,609,770 15,863,619 17,129,762 17,426,8991999 6,164,930 6,912,528 7,719,729 8,273,551 9,732,949 10,418,299 10,955,512 11,091,0412000 2,965,732 3,276,769 3,514,181 3,762,460 4,317,207 4,972,975 5,238,763 5,310,7282001 3,883,121 4,175,734 4,515,405 4,842,890 5,425,462 5,877,102 6,434,214 6,542,4802002 5,826,962 6,856,989 7,727,861 8,707,708 10,580,391 11,973,470 13,103,213 13,348,0072003 1,772,921 1,930,389 2,203,060 2,495,687 2,753,640 3,099,320 3,596,458 3,681,1242004 2,171,906 2,595,632 2,994,077 3,215,209 3,522,795 3,877,573 4,192,045 4,259,7272005 2,142,949 3,240,890 3,997,772 4,719,465 5,198,978 5,677,987 6,111,341 6,245,0512006 1,291,184 2,233,340 3,934,023 4,901,878 5,614,611 6,260,850 6,868,225 7,030,5992007 909,414 2,145,757 3,232,481 4,101,955 5,212,346 6,071,909 7,004,826 7,239,0362008 287,894 916,649 1,407,917 2,014,976 2,355,509 2,934,059 3,572,068 3,715,1552009 114,839 628,299 1,532,304 2,438,709 3,142,736 3,691,740 4,230,225 4,641,0372010 116,166 895,231 1,203,035 1,818,188 2,065,585 2,245,502 2,287,4412011 11,245 178,666 877,041 1,559,805 2,333,485 2,549,2452012 16,611 97,446 898,196 1,645,365 1,730,6382013 114,394 873,399 1,747,648 1,963,8442014 116,952 652,037 973,2272015 0 6092016 0

Totals:2009 & Prior 90,066,385 102,837,202 116,377,216 128,862,658 150,091,237 167,433,947 180,147,805 183,375,3962010 & Prior 102,953,368 117,272,447 130,065,693 151,909,425 169,499,532 182,393,308 185,662,8372011 & Prior 117,283,692 130,244,359 152,786,466 171,059,337 184,726,793 188,212,0822012 & Prior 130,260,969 152,883,912 171,957,533 186,372,157 189,942,7202013 & Prior 152,998,305 172,830,932 188,119,805 191,906,5642014 & Prior 172,947,884 188,771,842 192,879,7912015 & Prior 188,771,842 192,880,4012016 & Prior 192,880,401

Notes: (a) Based on actual paid loss and ALAE as shown in Exhibit I, Sheet 1c, Column (4) of reserve report evaluated as of 12/31/2009, 12/31/2010 and 12/31/2011. (b) Based on actual paid loss and ALAE as shown in Exhibit I, Sheet 1a, Column (4) of reserve reports evaluated as of 12/31/2012, 12/31/2013, 12/31/2014, 12/31/2015 and 3/31/2016.

Florida Birth Related Neurological Injury Compensation Association Appendix DExhibit II

Actual Incurred Loss and ALAECurrent Level BasisBefore Inflation and DiscountBefore Reinsurance Recovery

Incurred Loss & ALAEBirth ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Year @ 12/31/09 (a) @ 12/31/10 (a) @ 12/31/11 (a) @ 12/31/12 (b) @ 12/31/13 (b) @ 12/31/14 (b) @ 12/31/15 (b) @ 3/31/16 (b)

----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- -----------(1) (2) (3) (4) (5) (6) (7) (8) (9)

1989 25,392,567 26,078,544 25,583,011 27,706,619 26,373,709 26,675,829 26,051,832 26,051,8401990 13,314,815 10,443,544 10,543,426 12,118,649 11,460,479 11,121,608 11,216,567 11,216,5671991 22,161,349 22,464,393 23,417,200 28,845,823 27,053,131 27,437,409 27,781,984 27,781,9841992 45,578,473 45,939,767 46,942,773 55,890,448 52,815,766 52,867,490 50,976,324 50,976,3301993 45,769,261 46,809,981 42,703,727 48,709,272 44,371,745 44,496,964 45,096,852 45,096,8531994 15,697,230 16,210,446 18,343,661 20,873,806 20,730,853 20,768,073 21,178,550 21,178,5511995 30,541,666 29,252,587 27,611,220 28,549,550 31,116,266 31,193,690 30,817,517 30,817,5181996 32,557,199 32,684,558 24,024,889 28,929,040 28,427,439 30,016,711 28,837,569 28,837,7531997 38,463,312 43,675,859 41,626,317 44,901,093 45,773,854 42,295,331 41,082,818 41,083,5731998 54,563,346 61,812,278 60,372,902 69,428,161 71,845,599 74,110,454 74,869,360 74,869,3631999 26,384,594 30,676,593 27,364,683 29,426,181 30,621,162 26,815,846 27,279,195 27,279,3592000 22,486,180 21,268,225 17,120,713 21,576,045 18,959,802 19,436,294 19,326,133 19,326,1342001 21,353,204 24,146,698 22,453,008 27,428,112 26,466,604 26,011,537 27,662,585 27,663,0802002 67,771,825 65,863,004 75,780,805 81,408,182 80,239,381 75,578,631 73,816,750 73,816,8122003 11,350,748 13,844,639 15,168,263 15,986,156 15,239,817 15,719,835 15,365,678 15,365,7142004 26,994,425 22,859,791 23,353,511 23,639,048 24,722,792 24,881,802 24,763,096 24,763,3352005 40,349,156 51,636,560 49,969,413 50,170,611 41,236,975 33,705,260 32,296,495 32,296,4972006 33,495,282 37,658,562 48,568,924 49,129,618 48,994,258 50,001,133 52,359,974 52,360,3082007 16,105,434 32,149,065 42,727,201 45,320,710 43,306,651 43,280,986 41,872,020 41,872,0712008 19,305,512 27,518,410 45,383,414 47,873,092 52,865,872 50,399,012 56,105,819 56,094,2022009 2,400,124 12,214,510 32,754,971 43,304,404 47,846,038 45,798,713 48,326,705 48,501,3422010 367,288 11,709,849 23,432,658 28,572,781 27,241,537 27,631,375 27,569,3252011 8,025,000 18,092,817 27,966,715 38,554,067 47,898,365 44,030,0242012 12,090,000 20,346,124 28,272,096 31,340,190 31,273,0172013 8,415,555 14,108,083 24,160,711 21,067,0262014 6,459,800 22,999,374 22,118,3742015 0 2,170,0002016 2,640,000


Notes: (a) Based on actual paid and case outstanding loss and ALAE as shown in Exhibit I, Sheet 1c, Columns (4) and (2) of reserve report evaluated as of 12/31/2009, 12/31/2010 and 12/31/2011. (b) Based on actual paid and case outstanding loss and ALAE as shown in Exhibit I, Sheet 1a, Columns (4) and (2) of reserve reports evaluated as of 12/31/2012, 12/31/2013, 12/31/2014, 12/31/2015 and 3/31/2016.

Florida Birth Related Neurological Injury Compensation Association Appendix DExhibit III

Ultimate Loss and ALAEBirth Year Level Basis (Paid and Outstanding Loss and ALAE)Before Inflation and DiscountBefore Reinsurance Recovery

Ultimate Loss & ALAEBirth ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Year @ 12/31/09 (a) @ 12/31/10 (a) @ 12/31/11 (a) @ 12/31/12 (a) @ 12/31/13 (a) @ 12/31/14 (b) @ 12/31/15 (b) @ 3/31/16 (b)

----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- -----------(1) (2) (3) (4) (5) (6) (7) (8) (9)

1989 N/A 27,151,287 26,330,062 26,239,659 23,959,593 24,195,976 23,414,027 23,115,4461990 N/A 11,614,027 11,477,027 11,641,938 10,246,976 9,999,835 9,939,137 9,793,9411991 N/A 21,846,966 23,599,488 25,562,294 22,304,544 22,311,410 22,422,995 22,211,8141992 N/A 45,007,814 45,510,337 49,648,408 43,814,483 44,193,315 42,324,758 41,925,8761993 N/A 46,399,495 42,090,226 45,388,953 39,587,735 39,534,688 39,694,225 39,253,3171994 N/A 17,704,344 19,509,699 20,997,772 19,372,951 18,678,491 18,851,442 18,685,9401995 N/A 29,612,489 27,858,448 26,170,052 26,818,973 25,772,539 26,087,912 25,932,4571996 N/A 34,616,867 25,704,748 27,833,390 26,231,269 25,801,313 24,493,693 24,466,5111997 N/A 46,595,341 43,560,423 40,798,018 40,407,001 36,376,739 34,536,923 34,463,8831998 N/A 66,412,941 63,607,918 63,521,734 61,517,550 63,630,834 63,226,390 62,985,1051999 N/A 35,941,607 31,549,054 29,830,188 28,407,824 24,714,807 24,390,834 24,227,2052000 N/A 26,019,849 21,007,662 22,396,391 18,726,468 17,876,978 17,216,907 17,087,1662001 N/A 30,143,811 27,629,667 28,951,546 26,397,525 24,055,468 24,549,828 24,311,3022002 N/A 81,623,942 89,912,951 84,119,393 77,166,072 71,583,645 67,160,964 66,380,3042003 N/A 19,765,701 20,411,699 18,732,576 16,820,632 15,371,140 14,491,272 14,332,2272004 N/A 34,906,670 33,509,530 28,899,731 28,835,840 26,266,333 25,078,722 23,891,4622005 N/A 73,254,683 67,946,105 58,507,245 46,987,970 38,008,212 34,625,670 34,191,1852006 N/A 59,312,524 66,536,687 58,405,872 57,971,240 58,221,693 57,273,917 54,534,4192007 N/A 59,153,178 67,620,964 58,470,417 56,101,360 52,163,570 47,452,521 46,845,6382008 N/A 66,478,546 79,164,976 68,213,720 68,761,560 64,432,055 66,360,989 63,014,4702009 N/A 70,036,100 82,639,361 74,221,132 73,702,410 61,645,728 59,938,541 59,361,3232010 64,978,389 69,884,924 64,673,667 56,447,824 43,747,351 35,510,801 34,964,5272011 72,891,940 71,306,452 65,671,795 65,087,844 67,347,302 62,006,2682012 81,217,094 76,746,568 67,114,423 57,809,164 51,955,4562013 76,400,906 62,357,107 60,846,197 55,263,9282014 69,737,636 80,346,694 79,585,1172015 61,923,125 64,959,391

2016 (3 Mo) 21,633,210

Totals:2009 & Prior N/A 903,598,184 917,177,034 868,550,428 814,139,976 764,834,769 743,531,665 731,010,9912010 & Prior 968,576,573 987,061,958 933,224,095 870,587,801 808,582,121 779,042,467 765,975,5182011 & Prior 1,059,953,897 1,004,530,547 936,259,596 873,669,964 846,389,769 827,981,7862012 & Prior 1,085,747,642 1,013,006,165 940,784,387 904,198,933 879,937,2422013 & Prior 1,089,407,071 1,003,141,494 965,045,130 935,201,1702014 & Prior 1,072,879,130 1,045,391,825 1,014,786,2872015 & Prior 1,107,314,950 1,079,745,6782016 & Prior 1,101,378,888

Note: (a) Based on historical estimates of ultimate loss and ALAE at birth year level before inflation and anticipated investment income as shown in Column (7) of Exhibit IV of reserve report evaluated as of 12/31/2010, 12/31/2011, 12/31/2012, 12/31/2013. (b) See Exhibit IV, Sheet 1, Column (2) of reserve report evaluated as of 12/31/2014, 12/31/2015 and 3/31/2016.

Florida Birth Related Neurological Injury Compensation Association Appendix DExhibit IV

Ultimate Loss and ALAEActual Paid and Current Level Outstanding Before Prospective Inflation and DiscountBefore Inflation and DiscountBefore Reinsurance Recovery

Ultimate Loss & ALAEBirth ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Year @ 12/31/09 (a) @ 12/31/10 (a) @ 12/31/11 (a) @ 12/31/12 (b) @ 12/31/13 (b) @ 12/31/14 (b) @ 12/31/15 (b) @ 3/31/16 (b)

----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- -----------(1) (2) (3) (4) (5) (6) (7) (8) (9)

1989 30,195,406 31,013,780 30,302,524 32,662,292 31,283,689 31,469,118 30,462,198 30,350,8821990 16,245,871 13,213,102 13,155,761 14,871,810 14,150,051 13,663,968 13,606,869 13,525,2621991 25,563,433 24,954,229 27,201,674 32,897,544 30,896,715 30,694,703 30,914,846 30,799,0581992 52,762,445 50,796,217 51,820,930 63,695,571 60,456,635 60,573,984 58,153,407 57,883,9691993 53,982,015 52,079,760 47,624,682 56,359,640 52,344,829 51,837,574 52,138,771 51,869,2121994 20,606,060 19,583,922 21,745,732 25,995,859 25,577,544 24,502,615 24,771,605 24,665,8231995 36,386,656 33,041,315 31,392,335 32,691,605 36,475,380 34,730,142 35,055,879 34,973,3831996 41,081,064 38,326,178 28,672,897 34,219,094 34,784,174 34,054,192 32,351,892 32,437,6511997 48,276,930 51,540,936 48,562,684 51,684,192 54,619,408 48,898,105 46,508,461 46,536,0521998 67,105,294 73,205,094 70,673,787 78,809,076 81,912,168 84,654,728 84,225,777 84,120,6691999 35,469,979 39,466,371 34,938,796 36,306,404 37,383,127 32,136,323 31,736,790 31,644,4032000 30,665,379 28,356,997 23,037,519 27,324,802 24,434,778 23,371,455 22,525,893 22,438,8622001 29,466,949 32,760,575 30,231,415 34,994,886 33,994,147 30,763,220 31,442,585 31,221,4142002 89,829,000 88,640,493 98,299,372 102,197,306 100,852,407 93,163,144 87,458,847 86,743,8252003 17,352,578 21,361,345 22,214,126 22,442,880 21,586,870 19,629,041 18,485,142 18,340,5382004 41,925,368 37,567,720 36,310,314 34,533,322 35,562,370 32,300,491 30,866,114 30,647,8792005 63,388,909 78,569,317 73,374,866 69,958,032 57,686,770 46,515,525 42,398,405 42,207,7412006 56,804,169 63,345,467 71,604,504 69,642,638 68,245,099 68,485,821 67,490,299 67,029,1482007 43,932,498 62,882,409 72,358,633 69,436,362 65,669,897 61,030,854 55,614,372 55,159,7972008 70,240,739 66,960,112 80,058,011 74,863,254 76,924,563 72,115,450 74,397,721 73,831,9392009 65,842,195 70,271,249 83,227,624 81,077,021 81,914,437 68,475,520 66,638,074 66,293,5282010 64,978,389 70,135,006 70,499,869 62,574,064 48,496,715 39,378,914 38,845,8492011 72,891,940 77,584,464 72,600,196 71,996,315 74,559,791 68,813,3602012 81,217,094 77,309,410 67,729,133 58,440,532 57,445,0992013 76,400,906 62,478,164 61,072,531 55,788,0092014 69,737,636 80,485,475 79,865,0562015 61,923,125 65,063,408

2016 (3 Mo) 21,633,210

Totals:2009 & Prior 937,122,936 977,936,586 996,808,186 1,046,663,592 1,026,755,059 963,065,973 937,243,949 932,721,0332010 & Prior 1,042,914,976 1,066,943,192 1,117,163,461 1,089,329,123 1,011,562,688 976,622,863 971,566,8822011 & Prior 1,139,835,132 1,194,747,925 1,161,929,319 1,083,559,003 1,051,182,654 1,040,380,2422012 & Prior 1,275,965,019 1,239,238,729 1,151,288,136 1,109,623,186 1,097,825,3412013 & Prior 1,315,639,635 1,213,766,300 1,170,695,717 1,153,613,3502014 & Prior 1,283,503,936 1,251,181,192 1,233,478,4062015 & Prior 1,313,104,318 1,298,541,8152016 & Prior 1,320,175,024

Notes: (a) Based on actual paid loss and ALAE and total outstanding loss & ALAE before inflation and discount as shown in Columns (4) and (3) of Exhibit I, Sheet 1c of reserve report evaluated as of 12/31/09, 12/31/2010 and 12/31/2011. (b) Based on actual paid loss and ALAE and total outstanding loss & ALAE before inflation and discount as shown in Columns (4) and (3) of Exhibit I, Sheet 1a of reserve reports evaluated as 12/31/2012, 12/31/2013, 12/31/2014, 12/31/2015 and 3/31/2016.

Florida Birth Related Neurological Injury Compensation Association Appendix DExhibit V

Ultimate Loss and ALAEActual Paid and Current Level Outstanding After Prospective Inflation and DiscountAfter Inflation and DiscountBefore Reinsurance Recovery

Ultimate Loss & ALAEBirth ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Year @ 12/31/09 (a) @ 12/31/10 (a) @ 12/31/11 (a) @ 12/31/12 (b) @ 12/31/13 (b) @ 12/31/14 (b) @ 12/31/15 (b) @ 3/31/16 (b)

----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- -----------(1) (2) (3) (4) (5) (6) (7) (8) (9)

1989 24,441,344 25,948,541 25,509,442 27,506,772 26,769,383 27,123,053 26,805,426 26,737,5201990 12,808,521 11,232,113 11,625,555 13,159,030 12,801,141 12,365,439 12,168,747 12,117,1501991 18,982,292 18,925,551 21,097,411 25,311,770 24,687,061 24,806,078 25,189,482 25,146,9231992 39,675,481 38,220,549 40,222,982 49,327,350 47,876,956 48,344,732 47,216,267 47,088,1901993 42,880,334 41,791,486 38,731,321 45,788,530 43,090,047 42,973,732 43,558,848 43,393,3951994 15,511,446 15,277,614 16,761,793 20,064,060 19,867,432 19,099,948 19,373,601 19,310,2451995 26,915,196 25,514,756 24,594,274 26,029,492 29,127,651 28,045,372 28,516,389 28,498,7701996 30,841,922 29,640,210 23,306,497 27,492,683 28,231,067 27,759,412 26,648,821 26,759,8081997 37,297,553 38,408,874 37,115,006 40,113,754 42,286,861 38,419,803 37,124,460 37,203,9531998 50,964,904 55,458,158 54,498,067 60,767,030 63,468,215 66,084,761 66,580,979 66,609,7671999 29,196,428 32,383,479 29,184,644 30,565,329 31,550,950 27,490,519 27,363,332 27,337,6072000 23,206,043 21,551,843 18,016,710 21,062,633 18,979,138 18,396,036 18,031,693 18,000,9762001 21,941,809 24,613,890 23,226,853 26,851,692 26,301,482 24,310,745 24,937,568 24,812,7962002 69,791,893 66,487,667 73,147,995 76,262,326 76,648,996 71,252,206 68,058,132 67,630,2722003 14,143,138 16,698,172 17,581,858 17,921,235 17,572,173 16,171,414 15,546,083 15,456,4662004 29,160,067 26,493,106 26,130,395 25,034,954 26,012,771 25,020,810 24,172,266 24,025,5952005 43,464,402 54,307,547 51,711,604 49,769,567 41,687,280 34,811,925 31,964,475 31,881,3442006 38,500,429 43,369,044 50,126,583 49,183,485 48,785,647 51,478,446 50,784,676 50,504,2622007 29,545,510 42,718,969 50,113,793 48,454,775 46,503,833 44,110,521 43,132,964 42,857,5762008 46,611,215 44,717,134 54,385,826 51,148,205 52,939,180 50,395,677 52,713,571 52,482,2922009 43,322,464 46,499,415 56,182,157 55,061,598 56,275,559 47,843,080 47,160,268 47,157,9502010 42,506,678 46,963,905 47,244,604 42,551,480 33,550,530 27,627,157 27,304,2582011 48,135,149 51,255,567 48,664,196 49,025,594 51,459,755 47,652,5352012 53,164,473 51,304,216 45,663,550 40,043,978 39,433,0492013 50,356,222 41,890,895 41,626,313 38,186,2412014 46,089,913 54,048,934 53,835,4872015 41,099,116 43,327,863

2016 (3 Mo) 14,251,910


Notes: (a) Based on actual paid loss and ALAE and total outstanding loss & ALAE after inflation and discount as shown in Columns (4) and (7) of Exhibit I, Sheet 1c of reserve report evaluated as of 12/31/09, 12/31/2010 and 12/31/2011. (b) Based on actual paid loss and ALAE and total outstanding loss & ALAE after inflation and discount as shown in Columns (4) and (7) of Exhibit I, Sheet 1a of reserve reports evaluated as of 12/31/2012, 12/31/2013, 12/31/2014, 12/31/2015 and 3/31/2016.

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix EEvaluated As of March 31, 2016 Exhibit IIncremental Payment Method Sheet 1

Adjusted to Birth Year Level

Indicated Ultimate Loss & ALAE Difference Between Selected UltimateBY Level Estimated Unpaid Loss & ALAE @ 3/31/16 Based on Increased Utilization Rate of Selected and Incremental Payment MethodPaid (a) Based on Increased Utilization Rate of (b) -------------------------------------------------------------- Total Limits -------------------------------------------------------

Birth Loss & ALAE -------------------------------------------------------------- 1.00% 2.00% 3.00% Ultimate 1.00% 2.00% 3.00%Year @ 3/31/16 1.00% 2.00% 3.00% (2) + (3) (2) + (4) (2) + (5) Loss & ALAE (9) - (6) (9) - (7) (9) - (8)

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ------------- ------------- ------------- -------------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

1989 10,972,976 10,242,893 12,410,135 15,266,037 21,215,869 23,383,111 26,239,012 23,115,446 1,899,577 (267,665) (3,123,567) 1990 4,110,345 5,001,418 5,890,689 7,030,796 9,111,763 10,001,034 11,141,142 9,793,941 682,178 (207,094) (1,347,201) 1991 5,409,941 17,774,938 22,936,689 30,357,947 23,184,878 28,346,630 35,767,887 22,211,814 (973,064) (6,134,816) (13,556,073) 1992 9,008,002 30,964,209 39,718,558 52,289,581 39,972,212 48,726,561 61,297,583 41,925,876 1,953,664 (6,800,685) (19,371,708) 1993 14,210,309 24,456,073 30,812,645 39,802,757 38,666,382 45,022,954 54,013,067 39,253,317 586,935 (5,769,637) (14,759,749) 1994 5,427,621 13,400,871 17,467,048 23,467,737 18,828,492 22,894,669 28,895,358 18,685,940 (142,551) (4,208,729) (10,209,417) 1995 6,512,749 21,256,887 27,007,539 35,293,611 27,769,636 33,520,287 41,806,359 25,932,457 (1,837,179) (7,587,830) (15,873,902) 1996 6,519,345 15,971,597 18,668,349 22,222,917 22,490,942 25,187,694 28,742,262 24,466,511 1,975,569 (721,183) (4,275,751) 1997 7,877,800 26,527,297 33,876,136 44,610,503 34,405,097 41,753,936 52,488,303 34,463,883 58,785 (7,290,054) (18,024,421) 1998 12,959,208 51,824,143 63,697,009 80,393,348 64,783,351 76,656,217 93,352,556 62,985,105 (1,798,246) (13,671,112) (30,367,451) 1999 8,767,334 13,668,801 15,859,696 18,760,608 22,436,136 24,627,030 27,527,942 24,227,205 1,791,069 (399,825) (3,300,737) 2000 4,164,487 10,586,049 12,002,607 13,836,118 14,750,536 16,167,094 18,000,605 17,087,166 2,336,630 920,072 (913,439) 2001 5,608,773 18,424,537 22,438,418 28,086,499 24,033,310 28,047,192 33,695,273 24,311,302 277,992 (3,735,890) (9,383,971) 2002 10,579,842 50,983,737 60,714,866 74,123,468 61,563,580 71,294,709 84,703,310 66,380,304 4,816,725 (4,914,404) (18,323,006) 2003 3,147,722 9,075,628 10,045,878 11,280,187 12,223,350 13,193,600 14,427,909 14,332,227 2,108,876 1,138,627 (95,683) 2004 3,700,346 18,968,888 22,734,575 27,992,245 22,669,234 26,434,920 31,692,591 23,891,462 1,222,228 (2,543,459) (7,801,129) 2005 5,314,256 24,719,294 28,921,910 34,655,553 30,033,550 34,236,166 39,969,809 34,191,185 4,157,635 (44,981) (5,778,624) 2006 5,940,293 40,825,151 48,735,464 59,793,020 46,765,444 54,675,757 65,733,313 54,534,419 7,768,975 (141,338) (11,198,894) 2007 6,148,405 35,437,481 40,017,685 46,053,414 41,585,886 46,166,089 52,201,819 46,845,638 5,259,753 679,549 (5,356,181) 2008 3,167,874 48,431,808 58,725,113 73,424,556 51,599,682 61,892,988 76,592,430 63,014,470 11,414,787 1,121,482 (13,577,961) 2009 4,344,002 39,070,135 45,930,526 55,434,090 43,414,136 50,274,528 59,778,092 59,361,323 15,947,187 9,086,796 (416,768) 2010 2,231,453 28,379,910 35,191,281 45,203,260 30,611,363 37,422,734 47,434,713 34,964,527 4,353,165 (2,458,207) (12,470,186) 2011 2,484,949 45,462,265 53,020,356 63,465,792 47,947,214 55,505,305 65,950,741 62,006,268 14,059,054 6,500,963 (3,944,473) 2012 1,698,601 45,044,904 52,287,886 62,268,031 46,743,505 53,986,487 63,966,632 51,955,456 5,211,951 (2,031,031) (12,011,176) 2013 1,939,621 40,101,424 45,285,663 52,233,105 42,041,045 47,225,284 54,172,726 55,263,928 13,222,883 8,038,644 1,091,202 2014 965,209 58,526,519 65,287,616 74,239,221 59,491,728 66,252,826 75,204,430 79,585,117 20,093,389 13,332,292 4,380,687 2015 607 50,993,508 59,729,380 71,944,976 50,994,115 59,729,986 71,945,582 64,959,391 13,965,276 5,229,405 (6,986,191) 2016 0 16,575,107 19,330,667 23,160,650 16,575,107 19,330,667 23,160,650 21,633,210 5,058,103 2,302,542 (1,527,440)

Totals: 153,212,070 812,695,474 968,744,385 1,186,690,025 965,907,544 1,121,956,455 1,339,902,095 1,101,378,888 135,471,344 (20,577,567) (238,523,207) Excl. 2016 153,212,070 796,120,367 949,413,718 1,163,529,375 949,332,437 1,102,625,788 1,316,741,445 1,079,745,678 130,413,241 (22,880,110) (236,995,767)

Notes: (a) See Exhibit VIII, Sheet 1, Column (2). (b) See totals by birth year on Appendix E, Exhibit III, Sheet 1e based on increased utilization rate of 2.00%.

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix EEvaluated As of March 31, 2016 Exhibit I

Sheet 2Actual and Estimated Incremental Payments - 2016 Cost Level

Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity MaturityYear of (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months)

Birth 3:15 15:27 27:39 39:51 51:63 63:75 75:87 87:99 99:111 111:123 123:135 135:147 147:159 159:171 171:183 183:195 195:207 207:219 219:231 231:243 243:255 255:267 267:279 279:291 291:303---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

I. Average Incremental Payments Per Open Accepted Claim - 2016 Cost Level (a)

1989 257,542 146,706 160,608 80,064 62,209 73,631 101,463 56,745 68,762 289,842 51,416 110,314 83,551 95,544 103,220 89,739 77,381 47,165 59,515 57,215 92,844 86,573 118,0931990 182,393 116,658 11,418 61,027 38,095 29,414 16,316 21,436 13,538 13,408 19,060 26,141 45,035 49,681 63,178 69,290 37,991 31,242 28,503 37,191 31,017 37,814 61,523 103,9751991 3,043 312,753 18,007 140,416 107,453 45,489 30,899 15,957 12,301 35,701 32,092 44,371 38,369 36,696 43,935 43,272 89,772 153,124 133,890 135,157 105,485 242,160 122,287 139,654 125,2831992 8,301 84,584 77,362 101,618 46,769 37,737 29,876 27,656 22,627 26,899 30,626 41,893 38,165 36,337 37,968 43,733 48,769 58,072 80,582 72,339 61,714 98,648 100,326 92,990 101,9091993 1,235 62,010 91,591 73,796 108,396 90,802 98,216 93,066 95,155 98,385 85,901 76,729 97,626 102,425 86,217 95,724 87,593 102,862 93,702 106,249 130,216 121,459 107,631 89,088 96,2471994 137,049 380,191 133,710 110,796 59,033 144,506 55,266 71,605 61,770 18,248 73,608 160,757 20,378 22,957 46,844 39,077 44,934 36,601 36,239 57,673 66,852 62,651 76,201 78,607 84,9241995 59,009 140,716 92,930 17,029 22,310 38,197 23,657 50,964 56,871 175,864 65,521 88,691 99,306 26,067 279,715 66,844 73,430 125,594 130,399 123,850 107,337 106,682 110,049 118,8931996 2,956 287,287 75,164 144,587 62,237 148,517 96,421 58,268 66,582 69,517 57,206 68,555 59,638 66,525 78,127 78,680 54,613 65,599 65,241 65,988 103,129 107,337 106,682 110,049 118,8931997 16,886 109,347 63,300 54,619 68,762 97,976 56,880 43,824 45,534 31,317 54,349 72,220 81,180 70,614 71,990 111,839 76,417 67,204 73,484 70,921 73,664 76,670 76,201 78,607 84,9241998 11,274 138,922 115,186 84,078 58,802 41,930 127,669 56,837 69,170 52,150 71,700 73,583 83,404 83,240 80,497 107,300 98,269 97,757 98,639 101,649 105,580 109,888 109,217 112,664 121,7191999 229,609 203,121 135,440 105,914 96,721 73,548 60,354 113,458 160,793 108,724 94,424 116,936 125,131 91,743 133,306 165,460 124,632 114,030 116,991 120,561 125,223 130,333 129,537 133,626 144,3652000 213,760 162,702 136,968 120,697 71,202 50,226 34,020 42,102 37,659 33,368 64,951 50,766 48,860 65,337 63,528 54,139 78,760 80,495 82,585 85,106 88,396 92,003 91,441 94,328 101,9092001 490,062 409,284 280,565 126,317 264,427 141,333 85,802 65,255 80,201 84,398 94,156 119,890 114,100 134,667 106,966 105,013 107,327 110,114 113,474 117,862 122,671 121,922 125,771 135,8782002 78,043 141,058 81,673 66,298 79,331 51,039 105,893 68,357 69,024 60,444 73,300 91,048 76,546 81,090 90,728 93,595 91,887 93,911 96,349 99,290 103,129 107,337 106,682 110,049 118,8932003 64,546 45,954 127,372 213,556 64,256 61,564 97,644 96,215 87,800 137,800 149,884 118,376 120,971 124,793 122,516 125,215 128,466 132,386 137,505 143,117 142,242 146,733 158,5242004 4,720 148,275 252,579 141,256 67,160 101,114 83,700 79,017 40,347 67,835 68,865 64,710 82,951 84,554 86,408 89,138 87,511 89,439 91,761 94,562 98,218 102,226 101,601 104,809 113,2322005 29 5,732 131,875 92,634 61,625 124,554 76,879 69,770 62,724 67,199 65,200 82,594 82,951 84,554 86,408 89,138 87,511 89,439 91,761 94,562 98,218 102,226 101,601 104,809 113,2322006 2,306 114,224 71,205 113,350 77,828 187,195 84,472 71,910 61,690 62,102 71,675 82,594 82,951 84,554 86,408 89,138 87,511 89,439 91,761 94,562 98,218 102,226 101,601 104,809 113,2322007 177,536 130,711 159,990 109,683 134,726 117,599 110,915 116,363 90,769 103,928 119,761 120,280 122,604 125,292 129,250 126,891 129,687 133,054 137,114 142,416 148,228 147,322 151,973 164,1862008 6,179 81,768 81,893 76,807 42,842 38,990 59,130 64,954 78,388 62,599 71,675 82,594 82,951 84,554 86,408 89,138 87,511 89,439 91,761 94,562 98,218 102,226 101,601 104,809 113,2322009 353,003 70,391 134,218 106,440 60,585 62,730 88,306 77,570 78,388 62,599 71,675 82,594 82,951 84,554 86,408 89,138 87,511 89,439 91,761 94,562 98,218 102,226 101,601 104,809 113,2322010 123,891 321,282 31,013 107,874 39,525 27,191 70,321 62,056 62,710 50,080 57,340 66,075 66,361 67,643 69,126 71,311 70,009 71,551 73,409 75,649 78,574 81,781 81,281 83,847 90,5852011 9,121 34,217 113,389 47,056 80,199 99,338 83,506 73,692 74,468 59,469 68,091 78,464 78,804 80,326 82,088 84,681 83,136 84,967 87,173 89,834 93,307 97,115 96,521 99,568 107,5702012 11,384 81,615 84,003 79,146 69,260 99,338 83,506 73,692 74,468 59,469 68,091 78,464 78,804 80,326 82,088 84,681 83,136 84,967 87,173 89,834 93,307 97,115 96,521 99,568 107,5702013 67,491 158,058 173,796 95,697 72,905 104,566 87,901 77,570 78,388 62,599 71,675 82,594 82,951 84,554 86,408 89,138 87,511 89,439 91,761 94,562 98,218 102,226 101,601 104,809 113,2322014 55,828 89,598 113,550 95,697 72,905 104,566 87,901 77,570 78,388 62,599 71,675 82,594 82,951 84,554 86,408 89,138 87,511 89,439 91,761 94,562 98,218 102,226 101,601 104,809 113,2322015 609 99,859 113,550 95,697 72,905 104,566 87,901 77,570 78,388 62,599 71,675 82,594 82,951 84,554 86,408 89,138 87,511 89,439 91,761 94,562 98,218 102,226 101,601 104,809 113,2322016 69,717 99,859 113,550 95,697 72,905 104,566 87,901 77,570 78,388 62,599 71,675 82,594 82,951 84,554 86,408 89,138 87,511 89,439 91,761 94,562 98,218 102,226 101,601 104,809 113,232

II. Incremental Payments - 2016 Cost Level (b)

1989 0 0 2,060,336 1,173,652 1,445,472 640,513 497,671 589,044 811,706 453,960 481,334 1,739,050 308,497 551,570 417,756 477,722 516,102 448,697 386,905 235,824 297,573 286,077 464,218 432,863 590,4651990 0 547,180 816,603 79,928 427,187 266,663 205,901 114,211 150,051 94,764 93,855 133,423 182,984 315,244 347,768 379,071 346,450 151,965 124,967 114,011 148,765 124,067 151,258 246,092 311,9261991 3,043 312,753 54,020 561,665 429,813 181,955 123,596 63,827 49,204 142,803 128,368 177,484 153,475 146,786 175,738 173,089 359,088 612,495 535,562 540,627 421,942 968,640 489,148 558,615 501,1321992 16,602 338,337 928,345 1,321,036 608,002 452,847 358,515 331,872 248,898 295,887 336,881 460,821 419,814 399,706 379,681 437,335 487,691 522,648 725,235 651,050 555,426 887,833 902,936 836,912 917,1771993 2,470 310,051 1,007,505 885,551 1,192,351 998,822 1,080,375 1,023,731 1,046,709 1,082,238 944,914 844,024 1,073,881 1,024,251 775,957 765,790 700,743 822,898 749,620 849,993 1,041,729 971,672 861,047 712,701 760,9311994 274,098 760,381 668,551 664,774 354,200 1,011,539 386,860 429,632 247,082 72,992 294,430 643,028 81,510 91,829 187,378 156,307 179,734 146,402 144,956 230,692 267,406 250,604 304,804 311,981 334,3821995 3,493 177,026 844,297 557,578 102,176 133,859 190,984 118,286 254,821 284,354 879,320 327,606 443,453 496,528 130,337 1,398,576 334,220 367,149 627,972 651,993 619,250 536,687 528,322 539,707 577,3121996 5,912 861,862 300,656 722,934 373,422 891,101 578,529 349,609 399,489 417,100 343,238 411,328 357,830 399,151 468,760 472,082 327,679 393,591 391,448 395,929 618,774 630,502 613,250 618,830 653,7291997 16,886 765,429 506,397 382,330 550,096 881,787 511,918 394,413 409,809 281,853 489,144 649,977 730,623 635,523 647,907 1,006,553 611,333 537,631 587,873 567,370 584,535 603,369 594,645 608,168 651,3161998 45,097 972,456 1,036,677 1,008,936 646,824 545,089 1,659,693 738,876 899,209 677,950 932,100 956,581 1,084,250 1,082,124 1,046,455 1,394,906 1,277,503 1,270,837 1,282,306 1,306,527 1,341,435 1,379,820 1,355,029 1,380,819 1,473,3221999 688,828 609,362 406,320 741,397 773,767 588,385 482,830 794,204 1,125,548 761,071 660,967 818,554 750,784 550,460 666,529 661,840 498,528 456,122 459,061 463,880 472,274 481,634 468,860 473,542 500,6972000 427,520 650,807 684,842 603,485 356,008 251,130 170,102 210,510 188,297 166,838 324,753 253,829 244,299 326,684 317,639 270,694 393,800 393,308 394,126 396,498 401,849 407,926 395,244 397,283 418,0192001 152,529 490,062 818,567 561,130 505,269 1,057,709 565,332 343,208 261,018 320,802 337,592 376,623 479,559 456,399 538,668 427,863 415,638 420,228 426,401 434,484 446,122 458,919 450,704 459,314 490,1202002 156,086 705,289 898,402 861,876 1,031,302 765,589 1,588,391 1,025,361 1,035,360 906,662 1,099,500 1,274,671 1,071,645 1,135,254 1,270,198 1,294,013 1,254,227 1,265,173 1,280,753 1,301,908 1,333,522 1,368,367 1,340,475 1,362,562 1,450,1282003 272,331 339,215 129,093 137,862 382,117 640,667 192,767 184,693 292,931 288,646 263,401 413,401 449,653 355,128 353,877 355,783 340,220 338,482 337,844 338,505 341,659 345,371 333,203 333,462 349,3092004 4,720 444,825 757,738 565,024 335,801 505,568 418,498 395,084 201,737 339,175 344,324 323,548 414,757 418,274 422,817 431,359 418,705 422,988 428,850 436,612 447,924 460,371 451,730 459,943 490,3392005 29 28,662 923,128 926,339 616,250 1,245,540 768,789 627,934 501,793 470,394 456,399 578,159 573,160 576,570 581,346 591,545 572,664 576,947 583,313 592,182 605,763 620,757 607,273 616,419 655,1032006 2,306 342,672 427,228 1,020,152 778,279 1,871,950 844,719 719,097 616,900 621,024 716,747 817,502 812,532 819,516 828,515 845,354 820,657 829,157 840,755 856,086 878,383 902,916 886,091 902,330 962,1002007 136,915 532,608 914,977 1,119,932 877,463 1,077,808 940,790 887,323 930,903 726,154 817,176 925,308 912,938 913,927 916,957 928,354 894,104 896,055 901,072 909,750 925,402 942,900 917,059 925,360 977,5012008 6,179 408,838 655,147 691,266 385,582 389,902 591,302 649,542 783,876 620,878 704,999 805,581 802,176 810,604 821,086 839,422 816,538 826,693 840,021 857,176 881,429 908,068 893,173 911,649 974,3302009 353,003 422,345 1,073,743 957,956 545,264 564,571 794,757 698,131 697,971 551,372 624,397 711,538 706,576 711,999 719,149 733,069 710,963 717,614 726,914 739,402 757,859 778,188 762,851 775,964 826,4222010 123,891 963,846 186,080 647,243 237,153 163,145 421,926 370,069 371,661 294,948 335,567 384,204 383,352 388,173 394,012 403,668 393,517 399,298 406,658 415,927 428,708 442,730 436,538 446,684 478,6132011 18,241 205,299 1,020,497 517,612 801,988 1,081,895 899,822 785,533 785,171 620,111 702,071 799,858 794,085 799,980 807,808 823,230 798,193 805,442 815,654 829,431 849,890 872,430 854,979 869,410 925,6562012 22,767 244,845 756,031 712,313 685,740 1,070,200 889,833 776,582 775,990 612,672 693,434 789,771 783,821 789,384 796,845 811,785 786,826 793,692 803,466 816,737 836,570 858,429 840,931 854,786 909,7202013 134,982 790,289 1,042,774 783,052 639,727 995,287 824,952 717,673 714,819 562,535 634,584 720,323 712,466 715,046 719,268 730,126 705,083 708,569 714,544 723,502 738,110 754,316 735,878 744,844 789,3022014 167,484 806,379 900,979 1,205,639 982,070 1,525,451 1,262,334 1,096,375 1,090,200 856,500 964,548 1,092,972 1,079,152 1,081,127 1,085,535 1,099,880 1,060,140 1,063,315 1,070,154 1,081,375 1,100,931 1,122,735 1,092,944 1,103,844 1,167,1272015 609 264,117 560,659 761,669 627,371 980,446 816,332 713,431 713,897 564,457 639,793 729,752 725,338 731,596 739,654 754,712 732,688 740,303 750,685 764,400 784,339 806,275 791,281 805,814 859,2252016 15,366 73,046 182,578 249,546 207,146 323,698 269,483 235,484 235,606 186,261 211,092 240,738 239,243 241,262 243,866 248,770 241,449 243,895 247,255 251,713 258,221 265,382 260,385 265,104 282,608

Notes: (a) For the actual average incremental payments per open accepted claim at 2016 level, see Appendix E, Exhibit IV, Sheets 1a and 1b, Item II. For the estimates of average incremental payments per open accepted claim at 2016 level, see Appendix E, Exhibit III, Sheets 1a to 1e, Item I, then adjusted to 2016 level (factors from Appendix E, Exhibit II, Sheet 3, Column (5)). (b) For the actual incremental payments at 2016 level, see Appendix E, Exhibit IV, Sheets 2a and 2b, Item II. For the estimates of incremental payments at 2016 level, see Appendix E, Exhibit III, Sheets 1a to 1e, Item II, adjusted to2016 level (see factors from Appendix E, Exhibit II, Sheet 3, Column (5)).

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix EEvaluated As of March 31, 2016 Exhibit II

Sheet 1Summary of 2016 Level Incremental Payments by Maturity

2016 Level (a) 2016 Level (a)Average Incremental Payments Average Incremental Payments

per Open Accepted Claim per Open Accepted ClaimBased on Annual Increase Utilization Rate of Based on Annual Increase Utilization Rate of

Maturity -------------------------------------------------------------- Maturity --------------------------------------------------------------(Months) 1.00% 2.00% 3.00% (Months) 1.00% 2.00% 3.00%---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

(1) (2) (3) (4) (5) (6) (7) (8)

3:15 69,027 69,027 69,027 735:747 155,826 219,988 309,52515:27 98,870 98,870 98,870 747:759 157,385 224,388 318,81127:39 112,425 112,425 112,425 759:771 158,958 228,875 328,37539:51 94,749 94,749 94,749 771:783 160,548 233,453 338,22651:63 72,183 72,183 72,183 783:795 162,153 238,122 348,37363:75 103,531 103,531 103,531 795:807 163,775 242,884 358,82475:87 87,031 87,031 87,031 807:819 165,413 247,742 369,58987:99 76,802 76,802 76,802 819:831 167,067 252,697 380,67799:111 77,612 77,612 77,612 831:843 168,738 257,751 392,097

111:123 61,980 61,980 61,980 843:855 170,425 262,906 403,860123:135 70,965 70,965 70,965 855:867 172,129 268,164 415,976135:147 81,776 81,776 81,776 867:879 173,850 273,527 428,455147:159 82,130 82,130 82,130 879:891 175,589 278,998 441,308159:171 83,717 83,717 83,717 891:903 177,345 284,578 454,548171:183 85,552 85,552 85,552 903:915 179,118 290,269 468,184183:195 88,256 88,256 88,256 915:927 180,910 296,075 482,230195:207 86,645 86,645 86,645 927:939 182,719 301,996 496,697207:219 88,554 88,554 88,554 939:951 184,546 308,036 511,597219:231 90,853 90,853 90,853 951:963 186,391 314,197 526,945231:243 93,625 93,625 93,625 963:975 188,255 320,481 542,754243:255 97,246 97,246 97,246 975:987 190,138 326,890 559,036255:267 101,214 101,214 101,214 987:999 192,039 333,428 575,807267:279 100,596 100,596 100,596 999:1011 193,959 340,097 593,082279:291 103,771 103,771 103,771 1011:1023 195,899 346,899 610,874291:303 112,111 112,111 112,111 1023:1035 197,858 353,837 629,200303:315 105,000 105,000 105,000 1035:1047 199,837 360,913 648,076315:327 110,000 110,000 110,000 1047:1059 201,835 368,132 667,519327:339 111,100 112,200 113,300 1059:1071 203,853 375,494 687,544339:351 112,211 114,444 116,699 1071:1083 205,892 383,004 708,171351:363 113,333 116,733 120,200 1083:1095 207,951 390,664 729,416363:375 114,466 119,068 123,806 1095:1107 210,030 398,478 751,298375:387 115,611 121,449 127,520 1107:1119 212,131 406,447 773,837387:399 116,767 123,878 131,346 1119:1131 214,252 414,576 797,052399:411 117,935 126,355 135,286 1131:1143 216,394 422,868 820,964411:423 119,114 128,883 139,345 1143:1155 218,558 431,325 845,593423:435 120,305 131,460 143,525 1155:1167 220,744 439,951 870,960435:447 121,508 134,089 147,831 1167:1179 222,951 448,750 897,089447:459 122,724 136,771 152,266 1179:1191 225,181 457,725 924,002459:471 123,951 139,507 156,834 1191:1203 227,433 466,880 951,722471:483 125,190 142,297 161,539 1203:1215 229,707 476,218 980,274483:495 126,442 145,143 166,385 1215:1227 232,004 485,742 1,009,682495:507 127,707 148,046 171,376 1227:1239 234,324 495,457 1,039,972507:519 128,984 151,006 176,518 1239:1251 236,667 505,366 1,071,171519:531 130,273 154,027 181,813 1251:1263 239,034 515,473 1,103,307531:543 131,576 157,107 187,268 1263:1275 241,424 525,783 1,136,406543:555 132,892 160,249 192,886 1275:1287 243,839 536,298 1,170,498555:567 134,221 163,454 198,672 1287:1299 246,277 547,024 1,205,613567:579 135,563 166,723 204,632 1299:1311 248,740 557,965 1,241,781579:591 136,919 170,058 210,771 1311:1323 251,227 569,124 1,279,035591:603 138,288 173,459 217,095 1323:1335 253,740 580,507 1,317,406603:615 139,671 176,928 223,607 1335:1347 256,277 592,117 1,356,928615:627 141,068 180,467 230,316 1347:1359 258,840 603,959 1,397,636627:639 142,478 184,076 237,225 1359:1371 261,428 616,038 1,439,565639:651 143,903 187,758 244,342 1371:1383 264,042 628,359 1,482,752651:663 145,342 191,513 251,672 1383:1395 266,683 640,926 1,527,234663:675 146,795 195,343 259,222 1395:1407 269,350 653,745 1,573,051675:687 148,263 199,250 266,999 1407:1419 272,043 666,820 1,620,243687:699 149,746 203,235 275,009 1419:1431 274,764 680,156 1,668,850699:711 151,243 207,299 283,259 1431:1443 277,511 693,759 1,718,916711:723 152,756 211,445 291,757 1443:1455 280,286 707,634 1,770,483723:735 154,283 215,674 300,510 1455:1467 283,089 721,787 1,823,598

Note: (a) For factors from 3:15 to 315:327, see Appendix E, Exhibit IV, Sheets 1a and 1b. For the factors from 327:339 and subsequent, they are based on utilization trend rates of 1.00%, 2.00% and 3.00% for columns (2), (3) and (4) (or (6), (7) and (8)), respectively.


Sheet 2Selected Relativity Factors to Adjust for Difference in Claim Size by Birth Year

All Open Accepted Claims (AAA Only) with Life Expectancy

A. Off-Balance Adjustment Factor 0.99010

Indicated Birth Year Relativityof Remaining Average Selected Relativity

Annual Loss & ALAE Payments Factors to Adjust forBased on Difference in Claim Size

----------------------------------------- By Birth YearAverage (a) ---------------------------------Incremental Current (b) AfterPayments Case Before Off-Balance

Birth Year to Date Outstanding Off-Balance (4) / (A)---------- ---------- ---------- ---------- ----------

(1) (2) (3) (4) (5)

1989 0.728 0.993 0.900 0.909 1990 0.501 0.834 0.850 0.859 1991 1.092 1.249 1.175 1.187 1992 0.789 1.041 0.900 0.909 1993 0.604 0.881 0.850 0.859 1994 0.704 0.772 0.750 0.758 1995 1.109 1.018 1.050 1.061 1996 0.820 1.183 1.050 1.061 1997 0.711 0.799 0.750 0.758 1998 1.055 1.131 1.075 1.086 1999 1.204 1.304 1.275 1.288 2000 0.681 1.005 0.900 0.909 2001 1.327 1.231 1.200 1.212 2002 0.931 1.090 1.050 1.061 2003 1.326 1.468 1.400 1.414 2004 0.722 0.945 1.000 1.010 2005 0.682 0.940 1.000 1.010 2006 1.151 1.010 1.000 1.010 2007 1.632 1.261 1.450 1.465 2008 0.723 1.035 1.000 1.010 2009 0.898 1.081 1.000 1.010 2010 0.761 0.726 0.800 0.808 2011 0.932 0.934 0.950 0.960 2012 0.945 0.794 0.950 0.960 2013 2.249 0.822 1.000 1.010 2014 2.202 0.832 1.000 1.010 2015 - - 1.000 1.010 2016 - - 1.000 1.010

Notes: (a) See Appendix E, Exhibit VI, Sheet 1, Column (8). (b) See Appendix E, Exhibit VI, Sheet 1, Column (11).


Sheet 3

Open Accepted Claims (AAA Only)@ 3/31/16

-----------------------------------------------Paid Basis Case Outstanding Basis Ultimate Average

--------------------------- -------------------------------- Reported (a) Open Life ExpectancyAnnual 2016 Level Annual 2016 Level Open IBNR (b) Accepted ------------------------------

Birth Inflation Adjustment Inflation Adjustment Accepted Accepted Claim Cts. Selected (d)Year Factors Factors Factors Factors Claim Cts. Claim Cts. (6) + (7) Indicated (c) (9) x 1.25

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1989 1.75% 1.504 0.81% 1.391 5 - 5 18.29 22.86 1990 1.68% 1.478 0.74% 1.380 3 - 3 15.95 19.94 1991 1.48% 1.454 0.52% 1.370 4 - 4 28.86 36.08 1992 1.50% 1.433 0.46% 1.363 9 - 9 29.21 36.51 1993 1.54% 1.411 0.41% 1.356 8 - 8 27.82 34.78 1994 1.22% 1.390 0.38% 1.351 4 - 4 33.67 42.09 1995 1.02% 1.373 0.35% 1.346 5 - 5 31.13 38.91 1996 1.04% 1.359 0.34% 1.341 6 - 6 20.78 25.98 1997 0.91% 1.345 0.25% 1.336 8 - 8 33.93 42.41 1998 0.93% 1.333 0.28% 1.333 13 - 13 29.44 36.80 1999 0.97% 1.321 0.36% 1.329 4 - 4 22.38 27.98 2000 0.99% 1.308 0.39% 1.325 5 - 5 20.11 25.14 2001 1.09% 1.295 0.32% 1.320 4 - 4 30.93 38.66 2002 1.16% 1.281 0.35% 1.315 14 - 14 28.58 35.73 2003 1.09% 1.267 0.29% 1.311 3 - 3 19.13 23.91 2004 1.41% 1.253 4.94% 1.307 5 - 5 31.27 39.09 2005 1.30% 1.235 0.87% 1.245 7 - 7 28.56 35.70 2006 1.07% 1.220 4.86% 1.235 10 - 10 32.37 40.46 2007 1.18% 1.207 0.50% 1.177 8 - 8 24.76 30.95 2008 9.95% 1.193 4.55% 1.172 10 - 10 36.42 45.53 2009 4.26% 1.085 0.33% 1.121 9 - 9 32.45 40.56 2010 0.84% 1.040 0.32% 1.117 6 - 6 41.79 52.24 2011 0.94% 1.032 0.42% 1.113 10 1 11 33.00 41.25 2012 0.73% 1.022 9.83% 1.109 9 2 11 33.00 41.25 2013 0.56% 1.015 0.59% 1.009 6 4 10 29.00 36.25 2014 0.51% 1.009 0.19% 1.003 9 7 16 28.00 35.00 2015 0.38% 1.004 0.16% 1.002 1 11 12 30.00 37.50 2016 1.000 1.000 1 3 4 30.00 37.50

Totals: 186 28 214

Notes: (a) Current reported open accepted claims alive as of March 31, 2016. See Exhibit X, Sheet 1d, Column (4). (b) Estimated unreported accepted claims alive as of March 31, 2016. See Exhibit X, Sheet 1a, Column (9). (c) Current average remaining life expectancy based on NICA physician estimates. (d) Final selected remaining life expectancy estimated to include consideration of increased life expectancy over time by 0.2 per year.

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix EEvaluated As of March 31, 2016 Exhibit III

Sheet 1aDevelopment of Prospective Incremental Payment - Birth Year Level

Assumed Annual Increase Utilization Rate 2.00%Average Incremental Payment Per Open Accepted Claim by Maturity (a)2016 Level 69,027 98,870 112,425 94,749 72,183 103,531 87,031 76,802 77,612 61,980 70,965 81,776 82,130 83,717 85,552 88,256 86,645 88,554 90,853 93,625 97,246 101,214 100,596 103,771 112,111


Birth 3:15 15:27 27:39 39:51 51:63 63:75 75:87 87:99 99:111 111:123 123:135 135:147 147:159 159:171 171:183 183:195 195:207 207:219 219:231 231:243 243:255 255:267 267:279 279:291 291:303---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

I. Average Incremental Payment Per Open Accepted Claim - Birth Year Cost Level (b)

1989199019911992 74,7941993 65,684 70,9631994 56,413 58,194 62,8701995 79,766 79,279 81,781 88,3541996 76,908 80,046 79,557 82,068 88,6641997 53,067 55,118 57,368 57,017 58,817 63,5441998 73,987 76,245 79,193 82,425 81,922 84,508 91,2991999 85,772 87,999 90,684 94,191 98,034 97,435 100,511 108,5892000 59,457 60,767 62,345 64,247 66,731 69,454 69,030 71,209 76,9322001 81,062 79,583 81,336 83,448 85,994 89,320 92,964 92,396 95,313 102,9732002 68,978 71,157 69,859 71,398 73,251 75,487 78,406 81,605 81,107 83,667 90,3912003 90,316 92,296 95,212 93,474 95,533 98,014 101,005 104,911 109,192 108,525 111,951 120,9472004 63,471 64,697 66,116 68,205 66,960 68,435 70,212 72,355 75,152 78,219 77,741 80,195 86,6402005 66,320 66,607 67,894 69,383 71,575 70,269 71,817 73,682 75,930 78,866 82,084 81,583 84,158 90,9222006 58,051 66,895 67,184 68,482 69,984 72,195 70,877 72,439 74,319 76,588 79,549 82,795 82,289 84,887 91,7092007 77,087 88,262 101,709 102,149 104,122 106,405 109,767 107,764 110,138 112,998 116,446 120,949 125,884 125,115 129,065 139,4372008 66,906 53,430 61,176 70,496 70,801 72,169 73,752 76,082 74,693 76,339 78,321 80,711 83,832 87,253 86,720 89,457 96,6462009 69,222 69,951 55,862 63,961 73,705 74,024 75,454 77,109 79,545 78,093 79,813 81,886 84,385 87,648 91,224 90,667 93,529 101,0462010 62,963 55,563 56,148 44,839 51,340 59,161 59,417 60,565 61,893 63,849 62,683 64,064 65,728 67,734 70,353 73,224 72,776 75,074 81,1072011 89,229 75,009 66,193 66,891 53,418 61,162 70,480 70,785 72,153 73,735 76,064 74,676 76,321 78,303 80,692 83,813 87,233 86,700 89,437 96,6242012 62,475 89,607 75,326 66,473 67,174 53,644 61,421 70,778 71,085 72,458 74,047 76,386 74,992 76,644 78,634 81,034 84,167 87,602 87,066 89,815 97,0332013 94,808 72,228 103,595 87,085 76,850 77,660 62,018 71,009 81,827 82,181 83,769 85,606 88,310 86,699 88,608 90,909 93,684 97,306 101,277 100,658 103,836 112,1802014 113,158 95,367 72,654 104,206 87,598 77,303 78,117 62,384 71,428 82,309 82,666 84,263 86,110 88,831 87,210 89,131 91,445 94,236 97,880 101,874 101,251 104,448 112,8412015 99,700 113,368 95,544 72,788 104,399 87,761 77,446 78,262 62,499 71,560 82,462 82,819 84,419 86,270 88,996 87,371 89,296 91,615 94,411 98,061 102,063 101,439 104,641 113,0512016 69,717 99,859 113,550 95,697 72,905 104,566 87,901 77,570 78,388 62,599 71,675 82,594 82,951 84,554 86,408 89,138 87,511 89,439 91,761 94,562 98,218 102,226 101,601 104,809 113,232

II. Prospective Incremental Payments - Birth Year Level (c)

1989199019911992 673,1481993 525,472 561,0321994 225,652 230,964 247,5481995 398,830 392,614 401,075 429,0211996 461,446 470,192 457,326 461,487 487,5131997 424,532 437,375 451,469 444,941 455,059 487,3441998 961,836 980,004 1,006,188 1,034,980 1,016,385 1,035,729 1,105,1151999 343,086 345,297 348,922 355,236 362,276 352,668 356,190 376,6152000 297,285 296,913 297,530 299,321 303,360 307,948 298,375 299,914 315,5672001 324,249 314,985 318,463 323,141 329,266 338,086 347,784 341,559 348,084 371,4292002 965,690 983,797 953,548 961,870 973,715 989,799 1,013,834 1,040,325 1,019,119 1,035,911 1,102,4852003 270,947 269,993 271,447 259,574 258,247 257,760 258,264 260,672 263,503 254,220 254,417 266,5082004 317,355 320,046 323,522 330,058 320,376 323,653 328,138 334,078 342,733 352,257 345,645 351,930 375,1872005 464,243 460,230 462,968 466,803 474,993 459,832 463,271 468,382 475,504 486,409 498,449 487,622 494,966 526,0282006 580,509 662,112 658,087 663,744 671,032 684,671 664,668 671,553 680,946 693,363 711,422 731,291 717,664 730,817 779,2262007 616,694 693,995 785,828 775,322 776,162 778,736 788,415 759,328 760,984 765,245 772,615 785,908 800,769 778,823 785,872 830,1532008 669,060 529,936 601,736 687,585 684,679 691,873 700,819 716,470 696,938 705,605 716,981 731,623 752,324 775,061 762,348 778,118 831,6172009 622,996 622,854 492,033 557,198 634,961 630,533 635,372 641,753 654,175 634,448 640,383 648,682 659,826 676,297 694,438 680,751 692,453 737,4812010 377,777 331,346 332,772 264,086 300,454 344,002 343,239 347,556 352,784 361,430 352,341 357,517 364,107 372,406 383,850 396,405 390,860 399,944 428,5332011 971,805 808,259 705,600 705,275 557,010 630,631 718,468 713,282 718,577 725,608 739,461 716,972 723,483 732,656 745,031 763,408 783,655 767,979 780,942 831,4652012 618,567 965,367 802,668 700,511 699,977 552,657 625,508 712,407 707,040 712,058 718,789 732,265 709,751 715,944 724,761 736,732 754,622 774,340 758,556 771,054 820,6072013 775,780 633,785 986,044 817,290 711,008 708,181 557,311 628,691 713,633 705,850 708,405 712,589 723,346 698,535 701,988 707,908 716,783 731,255 747,311 729,044 737,927 781,9722014 897,873 1,201,483 978,685 1,520,193 1,257,983 1,092,596 1,086,443 853,548 961,224 1,089,205 1,075,433 1,077,400 1,081,794 1,096,089 1,056,486 1,059,650 1,066,466 1,077,648 1,097,136 1,118,865 1,089,177 1,100,040 1,163,1042015 263,695 559,763 760,451 626,368 978,878 815,027 712,290 712,755 563,554 638,770 728,585 724,179 730,427 738,472 753,506 731,517 739,119 749,484 763,178 783,085 804,986 790,016 804,526 857,8512016 15,366 73,046 182,578 249,546 207,146 323,698 269,483 235,484 235,606 186,261 211,092 240,738 239,243 241,262 243,866 248,770 241,449 243,895 247,255 251,713 258,221 265,382 260,385 265,104 282,608

Notes: (a) See Appendix E, Exhibit II, Sheet 1, Columns (3) and (7). (b) Average incremental payment 2016 level per open accepted claim are adjusted to severity level and birth year level. See Column (11) of Appendix E, Exhibit II, Sheet 2, and Column (5) of Appendix E, Exhibit II, Sheet 3, respectively. (c) The product of Item I shown above and Item II of Appendix E, Exhibit III, Sheets 2a to 2e.


Sheet 1bDevelopment of Prospective Incremental Payment - Birth Year Level

Assumed Annual Increase Utilization RateAverage Incremental Payment Per Open Accepted Claim by Maturity (a)2016 Level 105,000 110,000 112,200 114,444 116,733 119,068 121,449 123,878 126,355 128,883 131,460 134,089 136,771 139,507 142,297 145,143 148,046 151,006 154,027 157,107 160,249 163,454 166,723 170,058 173,459


Birth 303:315 315:327 327:339 339:351 351:363 363:375 375:387 387:399 399:411 411:423 423:435 435:447 447:459 459:471 471:483 483:495 495:507 507:519 519:531 531:543 543:555 555:567 567:579 579:591 591:603---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 73,330 74,796 76,292 77,818 79,374 80,962 82,581 84,233 85,917 87,636 89,389 91,176 93,000 94,860 96,757 98,692 100,666 102,679 104,733 106,828 108,964 111,143 113,3661990 68,447 69,816 71,212 72,636 74,089 75,571 77,082 78,624 80,196 81,800 83,436 85,105 86,807 88,543 90,314 92,120 93,963 95,842 97,759 99,714 101,708 103,742 105,817 107,9341991 90,981 95,313 97,219 99,164 101,147 103,170 105,233 107,338 109,485 111,674 113,908 116,186 118,510 120,880 123,298 125,763 128,279 130,844 133,461 136,130 138,853 141,630 144,463 147,352 150,2991992 70,050 73,386 74,854 76,351 77,878 79,435 81,024 82,645 84,298 85,984 87,703 89,457 91,246 93,071 94,933 96,831 98,768 100,743 102,758 104,813 106,910 109,048 111,229 113,453 115,7231993 66,462 69,627 71,019 72,440 73,888 75,366 76,873 78,411 79,979 81,579 83,210 84,874 86,572 88,303 90,069 91,871 93,708 95,582 97,494 99,444 101,433 103,461 105,531 107,641 109,7941994 58,883 61,687 62,921 64,179 65,463 66,772 68,107 69,469 70,859 72,276 73,722 75,196 76,700 78,234 79,799 81,395 83,022 84,683 86,377 88,104 89,866 91,663 93,497 95,367 97,2741995 82,750 86,690 88,424 90,193 91,996 93,836 95,713 97,627 99,580 101,572 103,603 105,675 107,789 109,944 112,143 114,386 116,674 119,007 121,387 123,815 126,291 128,817 131,394 134,021 136,7021996 83,040 86,995 88,734 90,509 92,319 94,166 96,049 97,970 99,929 101,928 103,967 106,046 108,167 110,330 112,537 114,787 117,083 119,425 121,813 124,250 126,735 129,269 131,855 134,492 137,1821997 59,514 62,348 63,595 64,866 66,164 67,487 68,837 70,213 71,618 73,050 74,511 76,001 77,521 79,072 80,653 82,266 83,912 85,590 87,302 89,048 90,829 92,645 94,498 96,388 98,3161998 85,508 89,580 91,372 93,199 95,063 96,965 98,904 100,882 102,900 104,958 107,057 109,198 111,382 113,609 115,882 118,199 120,563 122,974 125,434 127,943 130,501 133,111 135,774 138,489 141,2591999 101,701 106,544 108,675 110,849 113,066 115,327 117,634 119,986 122,386 124,834 127,330 129,877 132,474 135,124 137,826 140,583 143,395 146,263 149,188 152,172 155,215 158,319 161,486 164,715 168,0102000 72,053 75,484 76,993 78,533 80,104 81,706 83,340 85,007 86,707 88,441 90,210 92,014 93,854 95,731 97,646 99,599 101,591 103,623 105,695 107,809 109,965 112,165 114,408 116,696 119,0302001 96,442 101,034 103,055 105,116 107,219 109,363 111,550 113,781 116,057 118,378 120,745 123,160 125,624 128,136 130,699 133,313 135,979 138,699 141,473 144,302 147,188 150,132 153,134 156,197 159,3212002 84,658 88,689 90,463 92,272 94,117 96,000 97,920 99,878 101,876 103,913 105,992 108,111 110,274 112,479 114,729 117,023 119,364 121,751 124,186 126,670 129,203 131,787 134,423 137,111 139,8542003 113,276 118,670 121,044 123,465 125,934 128,453 131,022 133,642 136,315 139,041 141,822 144,658 147,552 150,503 153,513 156,583 159,715 162,909 166,167 169,490 172,880 176,338 179,865 183,462 187,1312004 81,145 85,009 86,709 88,443 90,212 92,017 93,857 95,734 97,649 99,602 101,594 103,626 105,698 107,812 109,968 112,168 114,411 116,699 119,033 121,414 123,842 126,319 128,845 131,422 134,0512005 85,155 89,210 90,994 92,814 94,670 96,564 98,495 100,465 102,474 104,524 106,614 108,746 110,921 113,140 115,402 117,711 120,065 122,466 124,915 127,414 129,962 132,561 135,212 137,917 140,6752006 85,892 89,982 91,782 93,618 95,490 97,400 99,348 101,335 103,361 105,429 107,537 109,688 111,882 114,119 116,402 118,730 121,104 123,526 125,997 128,517 131,087 133,709 136,383 139,111 141,8932007 130,593 136,812 139,548 142,339 145,186 148,089 151,051 154,072 157,154 160,297 163,503 166,773 170,108 173,510 176,981 180,520 184,131 187,813 191,569 195,401 199,309 203,295 207,361 211,508 215,7382008 90,517 94,827 96,723 98,658 100,631 102,644 104,697 106,790 108,926 111,105 113,327 115,593 117,905 120,263 122,669 125,122 127,625 130,177 132,781 135,436 138,145 140,908 143,726 146,600 149,5322009 94,637 99,143 101,126 103,149 105,212 107,316 109,462 111,651 113,884 116,162 118,485 120,855 123,272 125,738 128,252 130,817 133,434 136,102 138,824 141,601 144,433 147,322 150,268 153,273 156,3392010 75,963 79,580 81,172 82,795 84,451 86,140 87,863 89,620 91,412 93,241 95,105 97,007 98,948 100,927 102,945 105,004 107,104 109,246 111,431 113,660 115,933 118,252 120,617 123,029 125,4902011 90,496 94,805 96,701 98,635 100,608 102,620 104,673 106,766 108,901 111,079 113,301 115,567 117,878 120,236 122,641 125,093 127,595 130,147 132,750 135,405 138,113 140,875 143,693 146,567 149,4982012 90,879 95,206 97,110 99,052 101,034 103,054 105,115 107,218 109,362 111,549 113,780 116,056 118,377 120,744 123,159 125,623 128,135 130,698 133,312 135,978 138,697 141,471 144,301 147,187 150,1312013 105,065 110,068 112,270 114,515 116,805 119,141 121,524 123,955 126,434 128,962 131,542 134,173 136,856 139,593 142,385 145,233 148,137 151,100 154,122 157,205 160,349 163,556 166,827 170,163 173,5672014 105,684 110,717 112,931 115,190 117,494 119,844 122,241 124,685 127,179 129,723 132,317 134,963 137,663 140,416 143,224 146,089 149,011 151,991 155,031 158,131 161,294 164,520 167,810 171,166 174,5902015 105,880 110,922 113,141 115,404 117,712 120,066 122,467 124,917 127,415 129,963 132,563 135,214 137,918 140,676 143,490 146,360 149,287 152,273 155,318 158,424 161,593 164,825 168,121 171,484 174,9132016 106,050 111,100 113,322 115,588 117,900 120,258 122,663 125,117 127,619 130,171 132,775 135,430 138,139 140,902 143,720 146,594 149,526 152,516 155,567 158,678 161,852 165,089 168,391 171,758 175,194


1989 366,649 365,044 363,274 361,324 359,187 356,857 354,330 351,604 348,678 345,549 342,212 338,660 334,891 330,905 326,697 322,262 317,592 312,678 307,516 302,098 296,417 290,468 284,2441990 205,340 203,176 200,920 198,566 196,110 193,547 190,875 188,096 185,211 182,221 179,128 175,931 172,629 169,225 165,719 162,115 158,411 154,607 150,701 146,693 142,585 138,376 134,068 129,6611991 363,922 377,263 380,710 384,111 387,460 390,747 393,965 397,107 400,167 403,139 406,018 408,798 411,470 414,024 416,454 418,751 420,907 422,909 424,745 426,400 427,861 429,110 430,133 430,911 431,4251992 623,900 646,693 652,521 658,268 663,922 669,468 674,891 680,180 685,326 690,318 695,146 699,801 704,267 708,528 712,572 716,385 719,951 723,250 726,260 728,957 731,315 733,309 734,909 736,085 736,8041993 519,165 537,265 541,218 545,074 548,819 552,441 555,927 559,266 562,450 565,471 568,320 570,987 573,461 575,727 577,774 579,591 581,166 582,481 583,517 584,253 584,669 584,743 584,451 583,768 582,6671994 229,977 238,950 241,691 244,426 247,149 249,858 252,548 255,215 257,857 260,469 263,050 265,595 268,099 270,559 272,969 275,325 277,622 279,852 282,010 284,085 286,071 287,957 289,734 291,392 292,9181995 397,763 412,432 416,290 420,102 423,859 427,554 431,176 434,718 438,175 441,540 444,808 447,971 451,020 453,944 456,737 459,389 461,891 464,230 466,391 468,359 470,119 471,654 472,945 473,973 474,7171996 446,280 456,781 455,010 453,044 450,872 448,479 445,852 442,986 439,876 436,520 432,915 429,058 424,943 420,561 415,911 410,990 405,794 400,316 394,545 388,473 382,092 375,392 368,365 361,006 353,3031997 452,384 469,645 474,633 479,590 484,510 489,383 494,200 498,953 503,635 508,241 512,763 517,195 521,526 525,746 529,846 533,817 537,648 541,325 544,832 548,154 551,272 554,169 556,823 559,214 561,3171998 1,021,980 1,056,912 1,063,970 1,070,813 1,077,417 1,083,752 1,089,794 1,095,521 1,100,917 1,105,965 1,110,648 1,114,948 1,118,840 1,122,296 1,125,296 1,127,818 1,129,836 1,131,316 1,132,220 1,132,510 1,132,144 1,131,078 1,129,268 1,126,665 1,123,2161999 345,076 353,525 352,488 351,304 349,964 348,456 346,771 344,904 342,852 340,610 338,177 335,551 332,725 329,693 326,453 323,001 319,334 315,446 311,328 306,972 302,371 297,518 292,405 287,025 281,3702000 287,707 293,262 290,897 288,400 285,764 282,979 280,039 276,941 273,685 270,271 266,700 262,973 259,086 255,038 250,829 246,462 241,936 237,249 232,397 227,379 222,192 216,833 211,303 205,600 199,7242001 343,513 355,280 357,680 360,008 362,257 364,416 366,477 368,434 370,280 372,010 373,619 375,100 376,445 377,644 378,690 379,577 380,296 380,834 381,181 381,321 381,242 380,928 380,366 379,537 378,4252002 1,016,896 1,048,868 1,053,025 1,056,885 1,060,423 1,063,606 1,066,408 1,068,807 1,070,787 1,072,332 1,073,426 1,074,053 1,074,188 1,073,804 1,072,881 1,071,401 1,069,341 1,066,668 1,063,346 1,059,338 1,054,607 1,049,113 1,042,815 1,035,670 1,027,6312003 241,879 245,414 242,293 239,064 235,723 232,263 228,679 224,971 221,141 217,192 213,125 208,946 204,652 200,245 195,728 191,106 186,380 181,552 176,622 171,589 166,456 161,224 155,895 150,473 144,9592004 346,663 358,196 360,264 362,250 364,144 365,937 367,619 369,184 370,625 371,937 373,114 374,151 375,038 375,767 376,330 376,720 376,929 376,945 376,756 376,348 375,708 374,821 373,672 372,246 370,5242005 484,490 498,987 500,214 501,281 502,176 502,883 503,388 503,683 503,758 503,608 503,226 502,603 501,729 500,591 499,182 497,492 495,513 493,228 490,623 487,679 484,382 480,713 476,655 472,188 467,2942006 720,089 744,158 748,570 752,813 756,869 760,718 764,342 767,724 770,854 773,720 776,310 778,611 780,605 782,274 783,602 784,575 785,175 785,378 785,157 784,485 783,335 781,674 779,473 776,698 773,3132007 759,904 777,747 774,693 771,307 767,569 763,454 758,943 754,022 748,687 742,931 736,752 730,145 723,097 715,596 707,637 699,218 690,332 680,964 671,100 660,722 649,819 638,373 626,374 613,807 600,6592008 770,352 798,048 804,780 811,396 817,880 824,212 830,375 836,354 842,136 847,709 853,061 858,178 863,043 867,634 871,935 875,931 879,602 882,923 885,864 888,398 890,492 892,113 893,227 893,796 893,7782009 680,724 702,646 705,964 709,096 712,028 714,737 717,206 719,422 721,371 723,044 724,431 725,519 726,291 726,730 726,822 726,554 725,909 724,866 723,401 721,487 719,099 716,209 712,789 708,810 704,2382010 397,993 413,393 418,002 422,595 427,163 431,700 436,197 440,649 445,049 449,393 453,674 457,887 462,023 466,074 470,030 473,886 477,631 481,254 484,740 488,078 491,250 494,241 497,034 499,610 501,9492011 767,231 791,684 795,160 798,421 801,448 804,217 806,708 808,904 810,794 812,365 813,605 814,502 815,035 815,186 814,939 814,279 813,189 811,644 809,616 807,078 804,000 800,352 796,102 791,217 785,6612012 756,901 780,698 783,792 786,665 789,298 791,667 793,752 795,537 797,011 798,160 798,975 799,441 799,541 799,255 798,568 797,466 795,932 793,942 791,469 788,486 784,965 780,875 776,186 770,868 764,8842013 718,106 737,380 736,939 736,217 735,194 733,847 732,156 730,107 727,691 724,900 721,727 718,163 714,194 709,803 704,983 699,724 694,015 687,839 681,175 674,003 666,304 658,055 649,238 639,831 629,8132014 1,065,688 1,091,765 1,088,547 1,084,875 1,080,721 1,076,049 1,070,832 1,065,050 1,058,694 1,051,755 1,044,227 1,036,100 1,027,357 1,017,976 1,007,952 997,275 985,936 973,912 961,178 947,711 933,487 918,483 902,677 886,047 868,5702015 792,780 819,312 824,204 828,911 833,414 837,690 841,718 845,483 848,970 852,167 855,062 857,641 859,883 861,767 863,278 864,398 865,108 865,383 865,193 864,507 863,294 861,522 859,155 856,157 852,4882016 261,108 269,779 271,320 272,794 274,193 275,512 276,744 277,885 278,932 279,880 280,724 281,457 282,074 282,569 282,935 283,168 283,258 283,195 282,971 282,574 281,994 281,219 280,238 279,037 277,602



Sheet 1cDevelopment of Prospective Incremental Payment - Birth Year Level



Birth 603:615 615:627 627:639 639:651 651:663 663:675 675:687 687:699 699:711 711:723 723:735 735:747 747:759 759:771 771:783 783:795 795:807 807:819 819:831 831:843 843:855 855:867 867:879 879:891 891:903---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 115,634 117,946 120,305 122,711 125,165 127,669 130,222 132,827 135,483 138,193 140,957 143,776 146,651 149,584 152,576 155,628 158,740 161,915 165,153 168,456 171,825 175,262 178,767 182,342 185,9891990 110,092 112,294 114,540 116,831 119,167 121,551 123,982 126,461 128,991 131,571 134,202 136,886 139,624 142,416 145,264 148,170 151,133 154,156 157,239 160,384 163,591 166,863 170,200 173,604 177,0771991 153,305 156,371 159,498 162,688 165,942 169,261 172,646 176,099 179,621 183,214 186,878 190,615 194,428 198,316 202,283 206,328 210,455 214,664 218,957 223,336 227,803 232,359 237,006 241,746 246,5811992 118,037 120,398 122,806 125,262 127,767 130,322 132,929 135,587 138,299 141,065 143,886 146,764 149,699 152,693 155,747 158,862 162,039 165,280 168,586 171,958 175,397 178,905 182,483 186,132 189,8551993 111,990 114,230 116,514 118,845 121,222 123,646 126,119 128,641 131,214 133,838 136,515 139,246 142,030 144,871 147,768 150,724 153,738 156,813 159,949 163,148 166,411 169,740 173,134 176,597 180,1291994 99,219 101,204 103,228 105,292 107,398 109,546 111,737 113,972 116,251 118,576 120,948 123,367 125,834 128,351 130,918 133,536 136,207 138,931 141,710 144,544 147,435 150,384 153,391 156,459 159,5881995 139,436 142,225 145,069 147,971 150,930 153,949 157,028 160,168 163,371 166,639 169,972 173,371 176,838 180,375 183,983 187,662 191,416 195,244 199,149 203,132 207,194 211,338 215,565 219,876 224,2741996 139,925 142,724 145,578 148,490 151,460 154,489 157,579 160,730 163,945 167,224 170,568 173,979 177,459 181,008 184,628 188,321 192,087 195,929 199,848 203,845 207,922 212,080 216,322 220,648 225,0611997 100,282 102,288 104,334 106,420 108,549 110,720 112,934 115,193 117,497 119,846 122,243 124,688 127,182 129,726 132,320 134,967 137,666 140,419 143,228 146,092 149,014 151,994 155,034 158,135 161,2981998 144,084 146,966 149,905 152,903 155,961 159,081 162,262 165,507 168,818 172,194 175,638 179,151 182,734 186,388 190,116 193,918 197,797 201,753 205,788 209,903 214,101 218,384 222,751 227,206 231,7501999 171,370 174,797 178,293 181,859 185,496 189,206 192,990 196,850 200,787 204,803 208,899 213,077 217,338 221,685 226,119 230,641 235,254 239,959 244,758 249,654 254,647 259,740 264,934 270,233 275,6382000 121,411 123,839 126,316 128,842 131,419 134,047 136,728 139,463 142,252 145,097 147,999 150,959 153,978 157,058 160,199 163,403 166,671 170,004 173,404 176,872 180,410 184,018 187,698 191,452 195,2812001 162,507 165,758 169,073 172,454 175,903 179,421 183,010 186,670 190,403 194,211 198,096 202,058 206,099 210,221 214,425 218,714 223,088 227,550 232,101 236,743 241,478 246,307 251,233 256,258 261,3832002 142,651 145,504 148,414 151,382 154,410 157,498 160,648 163,861 167,138 170,481 173,890 177,368 180,916 184,534 188,225 191,989 195,829 199,745 203,740 207,815 211,971 216,211 220,535 224,946 229,4452003 190,874 194,691 198,585 202,557 206,608 210,740 214,955 219,254 223,639 228,112 232,674 237,328 242,074 246,916 251,854 256,891 262,029 267,269 272,615 278,067 283,628 289,301 295,087 300,989 307,0092004 136,732 139,466 142,256 145,101 148,003 150,963 153,982 157,062 160,203 163,407 166,675 170,009 173,409 176,877 180,415 184,023 187,703 191,458 195,287 199,192 203,176 207,240 211,385 215,612 219,9252005 143,488 146,358 149,285 152,271 155,317 158,423 161,591 164,823 168,120 171,482 174,912 178,410 181,978 185,618 189,330 193,117 196,979 200,919 204,937 209,036 213,216 217,481 221,830 226,267 230,7922006 144,731 147,625 150,578 153,590 156,661 159,795 162,990 166,250 169,575 172,967 176,426 179,955 183,554 187,225 190,969 194,789 198,684 202,658 206,711 210,846 215,062 219,364 223,751 228,226 232,7912007 220,053 224,454 228,943 233,522 238,192 242,956 247,815 252,772 257,827 262,984 268,243 273,608 279,080 284,662 290,355 296,162 302,086 308,127 314,290 320,576 326,987 333,527 340,198 347,001 353,9422008 152,523 155,574 158,685 161,859 165,096 168,398 171,766 175,201 178,705 182,279 185,925 189,643 193,436 197,305 201,251 205,276 209,382 213,569 217,841 222,197 226,641 231,174 235,798 240,514 245,3242009 159,466 162,655 165,908 169,226 172,611 176,063 179,584 183,176 186,839 190,576 194,388 198,275 202,241 206,286 210,411 214,620 218,912 223,290 227,756 232,311 236,957 241,697 246,531 251,461 256,4902010 127,999 130,559 133,171 135,834 138,551 141,322 144,148 147,031 149,972 152,971 156,030 159,151 162,334 165,581 168,892 172,270 175,716 179,230 182,815 186,471 190,200 194,004 197,884 201,842 205,8792011 152,488 155,538 158,649 161,822 165,058 168,359 171,726 175,161 178,664 182,237 185,882 189,600 193,392 197,260 201,205 205,229 209,333 213,520 217,791 222,146 226,589 231,121 235,743 240,458 245,2682012 153,133 156,196 159,320 162,506 165,756 169,071 172,453 175,902 179,420 183,008 186,668 190,402 194,210 198,094 202,056 206,097 210,219 214,423 218,712 223,086 227,548 232,099 236,741 241,476 246,3052013 177,038 180,579 184,190 187,874 191,631 195,464 199,373 203,361 207,428 211,577 215,808 220,124 224,527 229,017 233,598 238,270 243,035 247,896 252,854 257,911 263,069 268,330 273,697 279,171 284,7542014 178,081 181,643 185,276 188,981 192,761 196,616 200,549 204,560 208,651 212,824 217,080 221,422 225,850 230,367 234,975 239,674 244,468 249,357 254,344 259,431 264,620 269,912 275,310 280,817 286,4332015 178,412 181,980 185,620 189,332 193,119 196,981 200,921 204,939 209,038 213,218 217,483 221,833 226,269 230,795 235,410 240,119 244,921 249,819 254,816 259,912 265,110 270,413 275,821 281,337 286,9642016 178,697 182,271 185,917 189,635 193,428 197,296 201,242 205,267 209,372 213,560 217,831 222,188 226,631 231,164 235,787 240,503 245,313 250,219 255,224 260,328 265,535 270,846 276,263 281,788 287,424


1989 277,737 270,945 263,865 256,499 248,853 240,939 232,766 224,341 215,675 206,782 197,684 188,400 178,954 169,371 159,679 149,909 140,097 130,283 120,515 110,854 101,362 92,093 83,090 74,393 66,0471990 125,157 120,560 115,874 111,106 106,267 101,367 96,419 91,433 86,421 81,396 76,376 71,377 66,416 61,511 56,679 51,941 47,316 42,824 38,491 34,340 30,398 26,683 23,207 19,979 17,0081991 431,653 431,574 431,167 430,411 429,287 427,777 425,861 423,514 420,711 417,431 413,651 409,349 404,502 399,085 393,075 386,449 379,187 371,268 362,685 353,446 343,566 333,055 321,910 310,129 297,7201992 737,030 736,725 735,854 734,381 732,274 729,501 726,029 721,816 716,819 711,002 704,327 696,757 688,253 678,775 668,281 656,733 644,101 630,349 615,466 599,468 582,382 564,228 545,003 524,704 503,3501993 581,118 579,093 576,562 573,498 569,879 565,681 560,880 555,447 549,352 542,569 535,076 526,849 517,865 508,101 497,534 486,146 473,924 460,856 446,950 432,238 416,764 400,562 383,654 366,059 347,8171994 294,299 295,523 296,575 297,442 298,112 298,571 298,805 298,798 298,531 297,987 297,151 296,003 294,525 292,696 290,495 287,900 284,892 281,447 277,551 273,194 268,375 263,084 257,306 251,020 244,2161995 475,153 475,259 475,010 474,385 473,362 471,920 470,038 467,688 464,843 461,477 457,568 453,088 448,013 442,314 435,964 428,937 421,211 412,760 403,576 393,663 383,038 371,708 359,669 346,914 333,4521996 345,250 336,842 328,074 318,951 309,480 299,674 289,545 279,102 268,357 257,329 246,044 234,526 222,804 210,910 198,878 186,745 174,559 162,366 150,227 138,218 126,416 114,887 103,686 92,862 82,4721997 563,106 564,555 565,638 566,327 566,597 566,424 565,780 564,633 562,949 560,697 557,844 554,359 550,205 545,347 539,746 533,364 526,167 518,117 509,191 499,382 488,693 477,119 464,637 451,224 436,8681998 1,118,864 1,113,554 1,107,229 1,099,841 1,091,346 1,081,703 1,070,869 1,058,789 1,045,409 1,030,686 1,014,580 997,053 978,068 957,586 935,574 912,004 886,865 860,146 831,874 802,128 771,008 738,598 704,954 670,130 634,2231999 275,432 269,207 262,690 255,881 248,786 241,411 233,765 225,851 217,679 209,259 200,610 191,749 182,696 173,473 164,105 154,619 145,050 135,434 125,816 116,255 106,812 97,541 88,484 79,682 71,1822000 193,673 187,450 181,058 174,506 167,804 160,967 154,008 146,939 139,775 132,534 125,238 117,909 110,569 103,244 95,959 88,743 81,625 74,638 67,818 61,208 54,851 48,780 43,019 37,590 32,5152001 377,010 375,274 373,198 370,764 367,959 364,768 361,177 357,167 352,720 347,820 342,456 336,613 330,278 323,439 316,083 308,201 299,789 290,843 281,371 271,399 260,960 250,083 238,784 227,083 215,0112002 1,018,648 1,008,674 997,666 985,585 972,402 958,094 942,636 925,992 908,130 889,030 868,682 847,075 824,204 800,066 774,664 748,011 720,140 691,086 660,923 629,778 597,797 565,108 531,815 498,021 463,8662003 139,358 133,675 127,918 122,097 116,225 110,318 104,391 98,459 92,536 86,640 80,792 75,011 69,319 63,735 58,280 52,977 47,848 42,914 38,200 33,733 29,536 25,626 22,013 18,701 15,6962004 368,489 366,121 363,405 360,323 356,862 353,012 348,758 344,084 338,974 333,417 327,402 320,919 313,958 306,512 298,573 290,136 281,203 271,776 261,869 251,515 240,755 229,622 218,142 206,339 194,2542005 461,949 456,135 449,834 443,032 435,719 427,889 419,535 410,646 401,211 391,228 380,700 369,628 358,019 345,879 333,218 320,053 306,408 292,312 277,808 262,968 247,868 232,578 217,154 201,653 186,1482006 769,277 764,555 759,108 752,903 745,913 738,112 729,473 719,960 709,539 698,185 685,876 672,589 658,304 643,002 626,665 609,284 590,858 571,391 550,910 529,482 507,188 484,097 460,260 435,727 410,5752007 586,915 572,566 557,609 542,048 525,897 509,177 491,910 474,111 455,800 437,013 417,789 398,174 378,216 357,968 337,489 316,844 296,112 275,374 254,732 234,316 214,257 194,669 175,642 157,262 139,6232008 893,129 891,805 889,760 886,953 883,345 878,900 873,576 867,325 860,098 851,851 842,542 832,129 820,569 807,816 793,827 778,559 761,982 744,063 724,795 704,208 682,347 659,247 634,916 609,364 582,6262009 699,038 693,178 686,626 679,353 671,337 662,561 653,002 642,634 631,431 619,375 606,454 592,656 577,970 562,390 545,909 528,530 510,267 491,135 471,176 450,467 429,098 407,149 384,680 361,755 338,4592010 504,027 505,822 507,310 508,468 509,273 509,703 509,734 509,337 508,481 507,138 505,279 502,873 499,889 496,291 492,045 487,114 481,465 475,062 467,880 459,907 451,142 441,574 431,177 419,923 407,7962011 779,395 772,383 764,590 755,986 746,546 736,253 725,083 713,008 700,001 686,044 671,127 655,236 638,366 620,509 601,664 581,836 561,045 539,311 516,688 493,264 469,146 444,426 419,178 393,475 367,4192012 758,197 750,774 742,579 733,587 723,774 713,124 701,618 689,229 675,934 661,717 646,571 630,489 613,465 595,498 576,591 556,752 536,007 514,381 491,930 468,748 444,943 420,612 395,832 370,678 345,2562013 619,159 607,851 595,873 583,216 569,879 555,867 541,186 525,835 509,815 493,144 475,842 457,933 439,448 420,418 400,882 380,886 360,492 339,760 318,782 297,674 276,565 255,568 234,775 214,278 194,1842014 850,219 830,980 810,841 789,803 767,880 745,095 721,471 697,025 671,778 645,772 619,057 591,688 563,729 535,247 506,317 477,026 447,481 417,791 388,098 358,584 329,437 300,821 272,868 245,706 219,4762015 848,104 842,964 837,027 830,256 822,621 814,093 804,641 794,228 782,815 770,373 756,878 742,304 726,631 709,835 691,897 672,805 652,561 631,163 608,646 585,080 560,554 535,144 508,904 481,890 454,1862016 275,919 273,976 271,760 269,261 266,469 263,376 259,967 256,231 252,159 247,742 242,972 237,841 232,344 226,472 220,223 213,597 206,593 199,222 191,509 183,481 175,164 166,575 157,733 148,665 139,404



Sheet 1dDevelopment of Prospective Incremental Payment - Birth Year Level



Birth 903:915 915:927 927:939 939:951 951:963 963:975 975:987 987:999 999:1011 1011:1023 1023:1035 1035:1047 1047:1059 1059:1071 1071:1083 1083:1095 1095:1107 1107:1119 1119:1131 1131:1143 1143:1155 1155:1167 1167:1179 1179:1191 1191:1203---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 189,709 193,503 197,373 201,321 205,347 209,454 213,643 217,916 222,274 226,720 231,254 235,879 240,597 245,409 250,317 255,324 260,430 265,639 270,951 276,370 281,898 287,536 293,286 299,152 305,1351990 180,618 184,230 187,915 191,673 195,507 199,417 203,405 207,473 211,623 215,855 220,172 224,576 229,067 233,649 238,322 243,088 247,950 252,909 257,967 263,126 268,389 273,757 279,232 284,817 290,5131991 251,513 256,543 261,674 266,908 272,246 277,691 283,245 288,909 294,688 300,581 306,593 312,725 318,979 325,359 331,866 338,503 345,274 352,179 359,223 366,407 373,735 381,210 388,834 396,611 404,5431992 193,652 197,525 201,476 205,505 209,615 213,808 218,084 222,445 226,894 231,432 236,061 240,782 245,598 250,510 255,520 260,630 265,843 271,160 276,583 282,115 287,757 293,512 299,382 305,370 311,4771993 183,731 187,406 191,154 194,977 198,877 202,854 206,912 211,050 215,271 219,576 223,968 228,447 233,016 237,676 242,430 247,278 252,224 257,268 262,414 267,662 273,015 278,476 284,045 289,726 295,5211994 162,780 166,036 169,356 172,743 176,198 179,722 183,317 186,983 190,723 194,537 198,428 202,397 206,444 210,573 214,785 219,080 223,462 227,931 232,490 237,140 241,883 246,720 251,655 256,688 261,8211995 228,759 233,335 238,001 242,761 247,617 252,569 257,620 262,773 268,028 273,389 278,856 284,434 290,122 295,925 301,843 307,880 314,038 320,318 326,725 333,259 339,924 346,723 353,657 360,731 367,9451996 229,562 234,153 238,837 243,613 248,486 253,455 258,524 263,695 268,969 274,348 279,835 285,432 291,140 296,963 302,902 308,961 315,140 321,443 327,871 334,429 341,117 347,940 354,899 361,996 369,2361997 164,524 167,814 171,170 174,594 178,086 181,647 185,280 188,986 192,766 196,621 200,553 204,564 208,656 212,829 217,085 221,427 225,856 230,373 234,980 239,680 244,473 249,363 254,350 259,437 264,6261998 236,385 241,113 245,935 250,854 255,871 260,989 266,208 271,532 276,963 282,502 288,152 293,915 299,794 305,790 311,905 318,144 324,506 330,997 337,616 344,369 351,256 358,281 365,447 372,756 380,2111999 281,150 286,773 292,509 298,359 304,326 310,413 316,621 322,953 329,413 336,001 342,721 349,575 356,567 363,698 370,972 378,391 385,959 393,679 401,552 409,583 417,775 426,130 434,653 443,346 452,2132000 199,187 203,171 207,234 211,379 215,606 219,919 224,317 228,803 233,379 238,047 242,808 247,664 252,617 257,670 262,823 268,080 273,441 278,910 284,488 290,178 295,981 301,901 307,939 314,098 320,3802001 266,611 271,943 277,382 282,929 288,588 294,360 300,247 306,252 312,377 318,625 324,997 331,497 338,127 344,889 351,787 358,823 365,999 373,319 380,786 388,402 396,170 404,093 412,175 420,418 428,8272002 234,034 238,714 243,489 248,358 253,326 258,392 263,560 268,831 274,208 279,692 285,286 290,991 296,811 302,747 308,802 314,978 321,278 327,704 334,258 340,943 347,762 354,717 361,811 369,047 376,4282003 313,149 319,412 325,800 332,316 338,962 345,741 352,656 359,709 366,904 374,242 381,727 389,361 397,148 405,091 413,193 421,457 429,886 438,484 447,253 456,199 465,323 474,629 484,122 493,804 503,6802004 224,323 228,809 233,386 238,053 242,814 247,671 252,624 257,677 262,830 268,087 273,449 278,917 284,496 290,186 295,989 301,909 307,947 314,106 320,389 326,796 333,332 339,999 346,799 353,735 360,8092005 235,408 240,116 244,919 249,817 254,813 259,910 265,108 270,410 275,818 281,334 286,961 292,700 298,554 304,525 310,616 316,828 323,165 329,628 336,221 342,945 349,804 356,800 363,936 371,215 378,6392006 237,446 242,195 247,039 251,980 257,020 262,160 267,403 272,751 278,206 283,770 289,446 295,235 301,139 307,162 313,305 319,572 325,963 332,482 339,132 345,914 352,833 359,889 367,087 374,429 381,9182007 361,020 368,241 375,606 383,118 390,780 398,596 406,568 414,699 422,993 431,453 440,082 448,883 457,861 467,018 476,359 485,886 495,604 505,516 515,626 525,938 536,457 547,186 558,130 569,293 580,6792008 250,230 255,235 260,340 265,546 270,857 276,274 281,800 287,436 293,185 299,048 305,029 311,130 317,353 323,700 330,174 336,777 343,513 350,383 357,391 364,538 371,829 379,266 386,851 394,588 402,4802009 261,620 266,853 272,190 277,633 283,186 288,850 294,627 300,519 306,530 312,660 318,914 325,292 331,798 338,434 345,202 352,106 359,148 366,331 373,658 381,131 388,754 396,529 404,460 412,549 420,8002010 209,996 214,196 218,480 222,850 227,307 231,853 236,490 241,220 246,044 250,965 255,985 261,104 266,326 271,653 277,086 282,628 288,280 294,046 299,927 305,925 312,044 318,285 324,650 331,143 337,7662011 250,173 255,176 260,280 265,485 270,795 276,211 281,735 287,370 293,117 298,980 304,959 311,059 317,280 323,625 330,098 336,700 343,434 350,302 357,308 364,455 371,744 379,179 386,762 394,497 402,3872012 251,231 256,256 261,381 266,608 271,941 277,379 282,927 288,586 294,357 300,244 306,249 312,374 318,622 324,994 331,494 338,124 344,887 351,784 358,820 365,996 373,316 380,783 388,398 396,166 404,0902013 290,449 296,258 302,183 308,227 314,392 320,680 327,093 333,635 340,308 347,114 354,056 361,137 368,360 375,727 383,242 390,907 398,725 406,699 414,833 423,130 431,592 440,224 449,029 458,009 467,1702014 292,161 298,005 303,965 310,044 316,245 322,570 329,021 335,602 342,314 349,160 356,143 363,266 370,531 377,942 385,501 393,211 401,075 409,097 417,279 425,624 434,137 442,819 451,676 460,709 469,9232015 292,703 298,557 304,529 310,619 316,831 323,168 329,631 336,224 342,949 349,808 356,804 363,940 371,219 378,643 386,216 393,940 401,819 409,855 418,052 426,413 434,942 443,641 452,513 461,564 470,7952016 293,172 299,035 305,016 311,116 317,339 323,686 330,159 336,762 343,498 350,368 357,375 364,523 371,813 379,249 386,834 394,571 402,462 410,512 418,722 427,096 435,638 444,351 453,238 462,303 471,549


1989 58,096 50,585 43,552 37,036 31,071 25,684 20,887 16,681 13,055 9,989 7,452 5,404 3,797 2,574 1,676 1,043 616 343 179 86 38 15 5 2 01990 14,302 11,863 9,693 7,788 6,145 4,751 3,593 2,650 1,900 1,320 885 570 350 204 112 58 27 12 4 1 0 0 0 0 01991 284,702 271,100 256,949 242,301 227,231 211,827 196,181 180,389 164,556 148,806 133,274 118,105 103,448 89,453 76,265 64,018 52,826 42,778 33,932 26,311 19,901 14,649 10,473 7,257 4,8641992 480,972 457,621 433,356 408,271 382,495 356,181 329,491 302,589 275,657 248,908 222,574 196,900 172,140 148,547 126,363 105,810 87,075 70,303 55,583 42,944 32,352 23,709 16,868 11,626 7,7451993 328,980 309,614 289,795 269,622 249,226 228,750 208,341 188,143 168,311 149,014 130,427 112,726 96,078 80,638 66,541 53,888 42,749 33,147 25,062 18,430 13,145 9,065 6,029 3,855 2,3631994 236,884 229,019 220,621 211,697 202,273 192,379 182,053 171,333 160,265 148,914 137,354 125,673 113,971 102,358 90,953 79,880 69,261 59,218 49,860 41,285 33,567 26,758 20,886 15,942 11,8831995 319,297 304,477 289,025 272,995 256,467 239,533 222,292 204,846 187,309 169,816 152,516 135,566 119,134 103,388 88,494 74,604 61,852 50,348 40,166 31,343 23,872 17,708 12,769 8,932 6,0491996 72,571 63,212 54,446 46,321 38,880 32,156 26,166 20,910 16,375 12,538 9,362 6,796 4,779 3,244 2,115 1,318 780 435 227 110 48 19 7 2 11997 421,567 405,329 388,168 370,123 351,258 331,658 311,413 290,619 269,388 247,862 226,201 204,589 183,226 162,324 142,105 122,790 104,590 87,698 72,280 58,461 46,323 35,894 27,158 20,032 14,3821998 597,350 559,656 521,305 482,510 443,531 404,659 366,181 328,382 291,556 256,021 222,097 190,097 160,311 132,994 108,352 86,527 67,587 51,518 38,223 27,524 19,178 12,885 8,323 5,152 3,0451999 63,030 55,273 47,955 41,119 34,807 29,053 23,878 19,290 15,287 11,859 8,983 6,625 4,742 3,283 2,188 1,398 851 490 265 134 62 26 10 3 12000 27,813 23,500 19,588 16,083 12,990 10,304 8,012 6,092 4,518 3,258 2,277 1,535 994 615 362 200 103 49 21 8 3 1 0 0 02001 202,606 189,917 176,998 163,921 150,773 137,651 124,653 111,873 99,411 87,375 75,873 65,012 54,891 45,597 37,202 29,755 23,283 17,781 13,221 9,543 6,666 4,492 2,911 1,809 1,0742002 429,509 395,130 360,924 327,117 293,971 261,756 230,726 201,113 173,143 147,032 122,979 101,147 81,655 64,572 49,906 37,601 27,539 19,545 13,393 8,826 5,568 3,346 1,906 1,024 5162003 12,997 10,604 8,511 6,707 5,181 3,915 2,887 2,071 1,440 967 624 385 226 125 64 31 13 5 2 0 0 0 0 0 02004 181,931 169,426 156,799 144,127 131,499 119,014 106,769 94,856 83,368 72,406 62,063 52,431 43,587 35,597 28,506 22,336 17,085 12,725 9,201 6,439 4,345 2,817 1,748 1,035 5812005 170,718 155,451 140,440 125,788 111,610 98,023 85,129 73,018 61,773 51,468 42,162 33,896 26,688 20,530 15,391 11,212 7,909 5,383 3,520 2,200 1,308 734 387 191 872006 384,899 358,811 332,436 305,930 279,481 253,293 227,568 202,499 178,284 155,132 133,245 112,816 94,018 76,990 61,835 48,609 37,316 27,903 20,265 14,251 9,670 6,308 3,942 2,351 1,3332007 122,819 106,943 92,078 78,304 65,696 54,308 44,168 35,276 27,609 21,125 15,761 11,431 8,032 5,446 3,547 2,207 1,304 727 378 182 80 32 11 3 12008 554,757 525,830 495,937 465,205 433,808 401,946 369,827 337,661 305,680 274,143 243,332 213,538 185,055 158,168 133,144 110,214 89,561 71,313 55,524 42,179 31,186 22,386 15,565 10,458 6,7722009 314,895 291,179 267,438 243,824 220,516 197,701 175,558 154,257 133,963 114,842 97,051 80,728 65,982 52,893 41,497 31,788 23,714 17,178 12,043 8,141 5,286 3,281 1,939 1,086 5732010 394,785 380,887 366,106 350,465 334,011 316,808 298,924 280,433 261,425 242,015 222,338 202,550 182,827 163,360 144,350 126,004 108,529 92,117 76,944 63,154 50,856 40,113 30,948 23,323 17,1442011 341,127 314,732 288,380 262,242 236,518 211,416 187,134 163,856 141,762 121,030 101,823 84,282 68,518 54,602 42,560 32,369 23,955 17,200 11,939 7,983 5,119 3,133 1,823 1,003 5192012 319,683 294,095 268,634 243,472 218,801 194,823 171,727 149,686 128,867 109,434 91,531 75,281 60,774 48,059 37,143 27,985 20,496 14,546 9,968 6,568 4,144 2,490 1,419 762 3842013 174,606 155,663 137,469 120,148 103,828 88,624 74,626 61,899 50,490 40,423 31,700 24,291 18,141 13,163 9,248 6,267 4,077 2,534 1,495 832 433 208 92 37 132014 194,323 170,392 147,816 126,730 107,263 89,519 73,562 59,419 47,081 36,516 27,654 20,390 14,592 10,098 6,729 4,297 2,615 1,506 815 410 190 80 30 10 32015 425,896 397,141 368,060 338,824 309,639 280,731 252,322 224,625 197,858 172,252 148,033 125,415 104,587 85,708 68,893 54,206 41,653 31,180 22,673 15,966 10,850 7,090 4,439 2,653 1,5082016 129,993 120,474 110,904 101,351 91,889 82,590 73,524 64,763 56,382 48,454 41,051 34,233 28,054 22,550 17,743 13,634 10,206 7,421 5,226 3,551 2,321 1,453 868 493 265



Sheet 1eDevelopment of Prospective Incremental Payment - Birth Year Level

Assumed Annual Increase Utilization RateAverage Incremental Payment Per Open Accepted Claim by Maturity (a)2016 Level 476,218 485,742 495,457 505,366 515,473 525,783 536,298 547,024 557,965 569,124 580,507 592,117 603,959 616,038 628,359 640,926 653,745 666,820 680,156 693,759 707,634 721,787

Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity MaturityYear of (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months)

Birth 1203:1215 1215:1227 1227:1239 1239:1251 1251:1263 1263:1275 1275:1287 1287:1299 1299:1311 1311:1323 1323:1335 1335:1347 1347:1359 1359:1371 1371:1383 1383:1395 1395:1407 1407:1419 1419:1431 1431:1443 1443:1455 1455:1467---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 311,238 317,463 323,812 330,288 336,894 343,632 350,504 357,515 364,665 371,958 379,397 386,985 394,725 402,619 410,672 418,885 427,263 435,808 444,524 453,415 462,483 471,7331990 296,323 302,250 308,295 314,461 320,750 327,165 333,708 340,382 347,190 354,134 361,216 368,441 375,809 383,326 390,992 398,812 406,788 414,924 423,222 431,687 440,321 449,1271991 412,634 420,886 429,304 437,890 446,648 455,581 464,693 473,987 483,466 493,136 502,998 513,058 523,319 533,786 544,462 555,351 566,458 577,787 589,343 601,130 613,152 625,4151992 317,707 324,061 330,542 337,153 343,896 350,774 357,790 364,945 372,244 379,689 387,283 395,029 402,929 410,988 419,207 427,592 436,143 444,866 453,764 462,839 472,096 481,5381993 301,431 307,460 313,609 319,881 326,279 332,804 339,460 346,249 353,174 360,238 367,443 374,792 382,287 389,933 397,732 405,686 413,800 422,076 430,518 439,128 447,911 456,8691994 267,058 272,399 277,847 283,404 289,072 294,853 300,751 306,766 312,901 319,159 325,542 332,053 338,694 345,468 352,377 359,425 366,613 373,946 381,424 389,053 396,834 404,7711995 375,304 382,810 390,466 398,276 406,241 414,366 422,653 431,106 439,729 448,523 457,494 466,643 475,976 485,496 495,206 505,110 515,212 525,516 536,027 546,747 557,682 568,8361996 376,621 384,154 391,837 399,673 407,667 415,820 424,137 432,619 441,272 450,097 459,099 468,281 477,647 487,200 496,944 506,882 517,020 527,361 537,908 548,666 559,639 570,8321997 269,918 275,317 280,823 286,439 292,168 298,012 303,972 310,051 316,252 322,577 329,029 335,609 342,322 349,168 356,151 363,274 370,540 377,951 385,510 393,220 401,084 409,1061998 387,815 395,572 403,483 411,553 419,784 428,179 436,743 445,478 454,387 463,475 472,745 482,199 491,843 501,680 511,714 521,948 532,387 543,035 553,896 564,974 576,273 587,7981999 461,257 470,482 479,892 489,490 499,280 509,265 519,450 529,839 540,436 551,245 562,270 573,515 584,986 596,685 608,619 620,791 633,207 645,871 658,789 671,965 685,404 699,1122000 326,787 333,323 339,990 346,789 353,725 360,800 368,016 375,376 382,884 390,541 398,352 406,319 414,446 422,734 431,189 439,813 448,609 457,581 466,733 476,068 485,589 495,3012001 437,403 446,151 455,074 464,176 473,459 482,928 492,587 502,439 512,488 522,737 533,192 543,856 554,733 565,828 577,144 588,687 600,461 612,470 624,719 637,214 649,958 662,9572002 383,957 391,636 399,469 407,458 415,607 423,920 432,398 441,046 449,867 458,864 468,041 477,402 486,950 496,689 506,623 516,756 527,091 537,632 548,385 559,353 570,540 581,9512003 513,754 524,029 534,509 545,200 556,104 567,226 578,570 590,141 601,944 613,983 626,263 638,788 651,564 664,595 677,887 691,445 705,274 719,379 733,767 748,442 763,411 778,6792004 368,026 375,386 382,894 390,552 398,363 406,330 414,457 422,746 431,201 439,825 448,621 457,594 466,746 476,080 485,602 495,314 505,220 515,325 525,631 536,144 546,867 557,8042005 386,212 393,936 401,815 409,851 418,048 426,409 434,937 443,636 452,509 461,559 470,790 480,206 489,810 499,606 509,598 519,790 530,186 540,790 551,606 562,638 573,891 585,3682006 389,556 397,347 405,294 413,400 421,668 430,101 438,703 447,477 456,427 465,555 474,866 484,364 494,051 503,932 514,011 524,291 534,777 545,472 556,382 567,509 578,860 590,4372007 592,292 604,138 616,221 628,545 641,116 653,938 667,017 680,357 693,965 707,844 722,001 736,441 751,170 766,193 781,517 797,147 813,090 829,352 845,939 862,858 880,115 897,7172008 410,529 418,740 427,115 435,657 444,370 453,258 462,323 471,569 481,001 490,621 500,433 510,442 520,651 531,064 541,685 552,518 563,569 574,840 586,337 598,064 610,025 622,2262009 429,216 437,800 446,556 455,487 464,597 473,889 483,367 493,034 502,895 512,952 523,212 533,676 544,349 555,236 566,341 577,668 589,221 601,006 613,026 625,286 637,792 650,5482010 344,521 351,412 358,440 365,609 372,921 380,380 387,987 395,747 403,662 411,735 419,970 428,369 436,937 445,675 454,589 463,681 472,954 482,413 492,061 501,903 511,941 522,1802011 410,435 418,644 427,017 435,557 444,268 453,154 462,217 471,461 480,890 490,508 500,318 510,324 520,531 530,942 541,560 552,392 563,439 574,708 586,202 597,926 609,885 622,0832012 412,171 420,415 428,823 437,399 446,147 455,070 464,172 473,455 482,924 492,583 502,435 512,483 522,733 533,188 543,851 554,728 565,823 577,139 588,682 600,456 612,465 624,7142013 476,513 486,043 495,764 505,679 515,793 526,109 536,631 547,364 558,311 569,477 580,867 592,484 604,334 616,420 628,749 641,324 654,150 667,233 680,578 694,189 708,073 722,2352014 479,322 488,908 498,687 508,660 518,833 529,210 539,794 550,590 561,602 572,834 584,291 595,977 607,896 620,054 632,455 645,104 658,006 671,166 684,590 698,282 712,247 726,4922015 480,211 489,815 499,611 509,604 519,796 530,192 540,795 551,611 562,643 573,896 585,374 597,082 609,023 621,204 633,628 646,300 659,227 672,411 685,859 699,576 713,568 727,8392016 480,980 490,599 500,411 510,420 520,628 531,040 541,661 552,495 563,544 574,815 586,312 598,038 609,999 622,199 634,643 647,335 660,282 673,488 686,957 700,697 714,711 729,005


1989 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 12,410,1351990 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5,890,6891991 3,144 1,955 1,187 721 438 266 161 98 59 36 22 13 8 5 3 2 1 1 0 0 0 0 22,936,6891992 4,974 3,070 1,849 1,114 671 404 244 147 88 53 32 19 12 7 4 3 2 1 1 0 0 0 39,718,5581993 1,383 770 415 224 121 65 35 19 10 6 3 2 1 0 0 0 0 0 0 0 0 0 30,812,6451994 8,637 6,109 4,252 2,959 2,059 1,433 997 694 483 336 234 163 113 79 55 38 27 18 13 9 6 4 17,467,0481995 3,956 2,491 1,533 943 581 357 220 135 83 51 32 19 12 7 5 3 2 1 1 0 0 0 27,007,5391996 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 18,668,3491997 10,031 6,782 4,500 2,986 1,981 1,315 872 579 384 255 169 112 74 49 33 22 14 10 6 4 3 2 33,876,1361998 1,711 910 467 240 123 63 33 17 9 4 2 1 1 0 0 0 0 0 0 0 0 0 63,697,0091999 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 15,859,6962000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 12,002,6072001 606 324 167 86 45 23 12 6 3 2 1 0 0 0 0 0 0 0 0 0 0 0 22,438,4182002 242 104 43 18 7 3 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 60,714,8662003 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 10,045,8782004 309 154 74 35 17 8 4 2 1 0 0 0 0 0 0 0 0 0 0 0 0 0 22,734,5752005 36 14 5 2 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 28,921,9102006 715 360 175 85 41 20 10 5 2 1 1 0 0 0 0 0 0 0 0 0 0 0 48,735,4642007 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40,017,6852008 4,215 2,513 1,459 847 492 285 166 96 56 32 19 11 6 4 2 1 1 0 0 0 0 0 58,725,1132009 284 130 57 25 11 5 2 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45,930,5262010 12,271 8,536 5,836 3,990 2,728 1,865 1,275 872 596 408 279 191 130 89 61 42 28 19 13 9 6 4 35,191,2812011 251 112 48 20 9 4 2 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 53,020,3562012 180 78 32 13 5 2 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 52,287,8862013 4 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 45,285,6632014 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 65,287,6162015 811 410 200 97 47 23 11 5 3 1 1 0 0 0 0 0 0 0 0 0 0 0 59,729,3802016 134 65 32 15 8 4 2 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 19,330,667

Total: 968,744,385



Sheet 2aAccepted Claim Counts (Excluding Deceased Claims) - Expected Remaining Alive by Maturity


Birth 3:15 15:27 27:39 39:51 51:63 63:75 75:87 87:99 99:111 111:123 123:135 135:147 147:159 159:171 171:183 183:195 195:207 207:219 219:231 231:243 243:255 255:267 267:279 279:291 291:303---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

I. Adjusted q(x) (a)

1989199019911992 0.0104 1993 0.0117 0.0120 1994 0.0078 0.0079 0.0081 1995 0.0095 0.0097 0.0099 0.0101 1996 0.0210 0.0214 0.0218 0.0222 0.0226 1997 0.0081 0.0082 0.0084 0.0086 0.0087 0.0089 1998 0.0113 0.0115 0.0117 0.0119 0.0122 0.0124 0.0126 1999 0.0190 0.0194 0.0198 0.0202 0.0205 0.0209 0.0213 0.0217 2000 0.0228 0.0233 0.0238 0.0242 0.0247 0.0251 0.0256 0.0261 0.0265 2001 0.0105 0.0108 0.0110 0.0112 0.0114 0.0116 0.0119 0.0121 0.0123 0.0125 2002 0.0125 0.0127 0.0130 0.0133 0.0136 0.0138 0.0141 0.0144 0.0146 0.0149 0.0152 2003 0.0249 0.0254 0.0260 0.0266 0.0271 0.0277 0.0283 0.0288 0.0293 0.0298 0.0304 0.0309 2004 0.0106 0.0108 0.0110 0.0113 0.0115 0.0118 0.0120 0.0123 0.0125 0.0127 0.0130 0.0132 0.0135 2005 0.0129 0.0131 0.0133 0.0136 0.0139 0.0142 0.0146 0.0149 0.0151 0.0154 0.0157 0.0160 0.0163 0.0166 2006 0.0102 0.0104 0.0105 0.0107 0.0109 0.0112 0.0114 0.0117 0.0119 0.0122 0.0124 0.0126 0.0128 0.0131 0.0133 2007 0.0171 0.0174 0.0176 0.0179 0.0182 0.0186 0.0190 0.0194 0.0199 0.0203 0.0207 0.0210 0.0214 0.0218 0.0222 0.0226 2008 0.0082 0.0083 0.0084 0.0085 0.0086 0.0088 0.0090 0.0092 0.0094 0.0096 0.0098 0.0100 0.0102 0.0104 0.0106 0.0107 0.0109 2009 0.0107 0.0108 0.0109 0.0111 0.0113 0.0114 0.0116 0.0119 0.0121 0.0124 0.0127 0.0129 0.0132 0.0134 0.0137 0.0139 0.0142 0.0145 2010 0.0061 0.0062 0.0063 0.0063 0.0064 0.0065 0.0066 0.0067 0.0069 0.0070 0.0072 0.0073 0.0075 0.0076 0.0078 0.0079 0.0081 0.0082 0.0084 2011 0.0106 0.0107 0.0109 0.0110 0.0112 0.0113 0.0115 0.0117 0.0119 0.0121 0.0124 0.0127 0.0130 0.0132 0.0135 0.0137 0.0140 0.0142 0.0145 0.0148 2012 0.0108 0.0109 0.0110 0.0112 0.0113 0.0115 0.0116 0.0118 0.0120 0.0122 0.0125 0.0127 0.0130 0.0133 0.0136 0.0138 0.0141 0.0144 0.0146 0.0149 0.0152 2013 0.0251 0.0139 0.0140 0.0142 0.0144 0.0146 0.0148 0.0150 0.0152 0.0154 0.0157 0.0160 0.0163 0.0167 0.0171 0.0174 0.0178 0.0181 0.0184 0.0188 0.0191 0.0195 2014 0.0377 0.0280 0.0155 0.0156 0.0158 0.0160 0.0162 0.0164 0.0167 0.0169 0.0172 0.0175 0.0178 0.0182 0.0186 0.0190 0.0194 0.0198 0.0202 0.0205 0.0209 0.0213 0.0217 2015 0.1703 0.0231 0.0171 0.0095 0.0095 0.0097 0.0098 0.0099 0.0101 0.0102 0.0103 0.0105 0.0107 0.0109 0.0111 0.0114 0.0116 0.0119 0.0121 0.0123 0.0126 0.0128 0.0130 0.0133 2016 0.1703 0.0231 0.0171 0.0095 0.0095 0.0097 0.0098 0.0099 0.0101 0.0102 0.0103 0.0105 0.0107 0.0109 0.0111 0.0114 0.0116 0.0119 0.0121 0.0123 0.0126 0.0128 0.0130 0.0133 0.0135

II. Prospective Open Accepted Claim Counts (b)

1989199019911992 9.00 1993 8.00 7.91 1994 4.00 3.97 3.94 1995 5.00 4.95 4.90 4.86 1996 6.00 5.87 5.75 5.62 5.50 1997 8.00 7.94 7.87 7.80 7.74 7.67 1998 13.00 12.85 12.71 12.56 12.41 12.26 12.10 1999 4.00 3.92 3.85 3.77 3.70 3.62 3.54 3.47 2000 5.00 4.89 4.77 4.66 4.55 4.43 4.32 4.21 4.10 2001 4.00 3.96 3.92 3.87 3.83 3.79 3.74 3.70 3.65 3.61 2002 14.00 13.83 13.65 13.47 13.29 13.11 12.93 12.75 12.57 12.38 12.20 2003 3.00 2.93 2.85 2.78 2.70 2.63 2.56 2.48 2.41 2.34 2.27 2.20 2004 5.00 4.95 4.89 4.84 4.78 4.73 4.67 4.62 4.56 4.50 4.45 4.39 4.33 2005 7.00 6.91 6.82 6.73 6.64 6.54 6.45 6.36 6.26 6.17 6.07 5.98 5.88 5.79 2006 10.00 9.90 9.80 9.69 9.59 9.48 9.38 9.27 9.16 9.05 8.94 8.83 8.72 8.61 8.50 2007 8.00 7.86 7.73 7.59 7.45 7.32 7.18 7.05 6.91 6.77 6.63 6.50 6.36 6.22 6.09 5.95 2008 10.00 9.92 9.84 9.75 9.67 9.59 9.50 9.42 9.33 9.24 9.15 9.06 8.97 8.88 8.79 8.70 8.60 2009 9.00 8.90 8.81 8.71 8.61 8.52 8.42 8.32 8.22 8.12 8.02 7.92 7.82 7.72 7.61 7.51 7.40 7.30 2010 6.00 5.96 5.93 5.89 5.85 5.81 5.78 5.74 5.70 5.66 5.62 5.58 5.54 5.50 5.46 5.41 5.37 5.33 5.28 2011 10.89 10.78 10.66 10.54 10.43 10.31 10.19 10.08 9.96 9.84 9.72 9.60 9.48 9.36 9.23 9.11 8.98 8.86 8.73 8.61 2012 9.90 10.77 10.66 10.54 10.42 10.30 10.18 10.07 9.95 9.83 9.71 9.59 9.46 9.34 9.22 9.09 8.97 8.84 8.71 8.58 8.46 2013 8.18 8.77 9.52 9.38 9.25 9.12 8.99 8.85 8.72 8.59 8.46 8.32 8.19 8.06 7.92 7.79 7.65 7.52 7.38 7.24 7.11 6.97 2014 7.93 12.60 13.47 14.59 14.36 14.13 13.91 13.68 13.46 13.23 13.01 12.79 12.56 12.34 12.11 11.89 11.66 11.44 11.21 10.98 10.76 10.53 10.31 2015 2.64 4.94 7.96 8.61 9.38 9.29 9.20 9.11 9.02 8.93 8.84 8.74 8.65 8.56 8.47 8.37 8.28 8.18 8.08 7.99 7.89 7.79 7.69 7.59 2016 0.22 0.73 1.61 2.61 2.84 3.10 3.07 3.04 3.01 2.98 2.95 2.91 2.88 2.85 2.82 2.79 2.76 2.73 2.69 2.66 2.63 2.60 2.56 2.53 2.50

Notes: (a) See Appendix E, Exhibit V, Sheets 1 and 2. (b) See Appendix E, Exhibit II, Sheet 3, Column (8) for the ultimate accepted claim counts, and Item I above for estimated number of claim counts alive by maturity. For the maturity from 12:24 to 72:84, the ultimate accepted claim counts are adjusted for reporting pattern as shown in column (11) of Exhibit X, Sheet 1c.


Sheet 2bAccepted Claim Counts (Excluding Deceased Claims) - Expected Remaining Alive by Maturity


Birth 303:315 315:327 327:339 339:351 351:363 363:375 375:387 387:399 399:411 411:423 423:435 435:447 447:459 459:471 471:483 483:495 495:507 507:519 519:531 531:543 543:555 555:567 567:579 579:591 591:603---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 0.0239 0.0244 0.0249 0.0254 0.0260 0.0266 0.0271 0.0278 0.0284 0.0291 0.0298 0.0305 0.0313 0.0321 0.0329 0.0338 0.0348 0.0358 0.0369 0.0380 0.0393 0.0406 0.0420 1990 0.0299 0.0305 0.0311 0.0317 0.0324 0.0331 0.0339 0.0346 0.0354 0.0362 0.0371 0.0380 0.0389 0.0399 0.0409 0.0420 0.0432 0.0444 0.0457 0.0471 0.0485 0.0501 0.0518 0.0537 1991 0.0105 0.0107 0.0108 0.0111 0.0113 0.0115 0.0118 0.0121 0.0123 0.0126 0.0129 0.0132 0.0135 0.0139 0.0142 0.0146 0.0149 0.0154 0.0158 0.0162 0.0167 0.0173 0.0178 0.0184 0.0191 1992 0.0106 0.0108 0.0110 0.0112 0.0114 0.0117 0.0119 0.0122 0.0125 0.0127 0.0130 0.0134 0.0137 0.0140 0.0144 0.0147 0.0151 0.0155 0.0160 0.0164 0.0169 0.0175 0.0180 0.0187 0.0193 1993 0.0122 0.0124 0.0126 0.0129 0.0131 0.0134 0.0137 0.0140 0.0143 0.0147 0.0150 0.0154 0.0157 0.0161 0.0165 0.0169 0.0174 0.0179 0.0184 0.0189 0.0195 0.0201 0.0208 0.0215 0.0222 1994 0.0082 0.0084 0.0085 0.0087 0.0089 0.0091 0.0093 0.0095 0.0097 0.0099 0.0101 0.0104 0.0106 0.0109 0.0111 0.0114 0.0117 0.0121 0.0124 0.0128 0.0131 0.0136 0.0140 0.0145 0.0150 1995 0.0103 0.0104 0.0106 0.0108 0.0111 0.0113 0.0116 0.0118 0.0121 0.0124 0.0126 0.0129 0.0133 0.0136 0.0139 0.0143 0.0146 0.0150 0.0155 0.0159 0.0164 0.0169 0.0175 0.0181 0.0187 1996 0.0230 0.0234 0.0238 0.0243 0.0248 0.0253 0.0259 0.0265 0.0271 0.0277 0.0283 0.0290 0.0297 0.0304 0.0312 0.0320 0.0328 0.0337 0.0347 0.0357 0.0368 0.0380 0.0392 0.0405 0.0420 1997 0.0090 0.0092 0.0094 0.0096 0.0097 0.0100 0.0102 0.0104 0.0106 0.0109 0.0111 0.0114 0.0117 0.0120 0.0123 0.0126 0.0129 0.0133 0.0136 0.0140 0.0145 0.0149 0.0154 0.0159 0.0165 1998 0.0128 0.0131 0.0133 0.0136 0.0138 0.0141 0.0145 0.0148 0.0151 0.0155 0.0158 0.0162 0.0166 0.0170 0.0174 0.0179 0.0183 0.0188 0.0194 0.0199 0.0205 0.0212 0.0219 0.0226 0.0234 1999 0.0221 0.0225 0.0229 0.0233 0.0238 0.0243 0.0249 0.0254 0.0260 0.0266 0.0272 0.0279 0.0285 0.0292 0.0300 0.0307 0.0315 0.0324 0.0333 0.0343 0.0353 0.0365 0.0376 0.0389 0.0403 2000 0.0270 0.0275 0.0280 0.0286 0.0292 0.0298 0.0305 0.0311 0.0318 0.0326 0.0333 0.0341 0.0349 0.0358 0.0367 0.0376 0.0386 0.0397 0.0408 0.0420 0.0433 0.0446 0.0461 0.0476 0.0493 2001 0.0128 0.0130 0.0132 0.0135 0.0138 0.0141 0.0144 0.0147 0.0150 0.0154 0.0157 0.0161 0.0165 0.0169 0.0173 0.0178 0.0182 0.0187 0.0192 0.0198 0.0204 0.0211 0.0217 0.0225 0.0233 2002 0.0154 0.0157 0.0160 0.0163 0.0167 0.0170 0.0174 0.0178 0.0182 0.0186 0.0190 0.0195 0.0200 0.0205 0.0210 0.0215 0.0221 0.0227 0.0233 0.0240 0.0247 0.0255 0.0263 0.0272 0.0282 2003 0.0315 0.0321 0.0327 0.0333 0.0340 0.0347 0.0355 0.0363 0.0371 0.0380 0.0388 0.0398 0.0407 0.0417 0.0428 0.0439 0.0450 0.0462 0.0475 0.0489 0.0504 0.0520 0.0537 0.0555 0.0575 2004 0.0137 0.0139 0.0142 0.0145 0.0148 0.0151 0.0154 0.0158 0.0161 0.0165 0.0169 0.0173 0.0177 0.0181 0.0186 0.0191 0.0196 0.0201 0.0207 0.0213 0.0219 0.0226 0.0233 0.0241 0.0250 2005 0.0169 0.0172 0.0175 0.0179 0.0182 0.0186 0.0190 0.0195 0.0199 0.0204 0.0208 0.0213 0.0218 0.0224 0.0229 0.0235 0.0241 0.0248 0.0255 0.0262 0.0270 0.0279 0.0288 0.0298 0.0308 2006 0.0135 0.0138 0.0141 0.0143 0.0146 0.0149 0.0153 0.0156 0.0160 0.0163 0.0167 0.0171 0.0175 0.0179 0.0184 0.0189 0.0194 0.0199 0.0204 0.0210 0.0217 0.0224 0.0231 0.0239 0.0247 2007 0.0230 0.0235 0.0239 0.0244 0.0249 0.0254 0.0260 0.0265 0.0271 0.0278 0.0284 0.0291 0.0298 0.0305 0.0313 0.0321 0.0329 0.0338 0.0348 0.0358 0.0369 0.0380 0.0393 0.0406 0.0420 2008 0.0111 0.0113 0.0115 0.0118 0.0120 0.0123 0.0125 0.0128 0.0131 0.0134 0.0137 0.0141 0.0144 0.0147 0.0151 0.0155 0.0159 0.0163 0.0168 0.0173 0.0178 0.0184 0.0190 0.0196 0.0203 2009 0.0147 0.0150 0.0153 0.0156 0.0159 0.0162 0.0166 0.0170 0.0173 0.0177 0.0181 0.0186 0.0190 0.0195 0.0200 0.0205 0.0210 0.0216 0.0222 0.0229 0.0235 0.0243 0.0251 0.0259 0.0268 2010 0.0085 0.0087 0.0088 0.0090 0.0092 0.0094 0.0096 0.0098 0.0100 0.0103 0.0105 0.0108 0.0110 0.0113 0.0116 0.0119 0.0122 0.0125 0.0129 0.0132 0.0136 0.0141 0.0145 0.0150 0.0155 2011 0.0150 0.0153 0.0156 0.0159 0.0162 0.0166 0.0169 0.0173 0.0177 0.0181 0.0185 0.0190 0.0194 0.0199 0.0204 0.0209 0.0215 0.0221 0.0227 0.0233 0.0241 0.0248 0.0256 0.0265 0.0274 2012 0.0154 0.0157 0.0160 0.0163 0.0167 0.0170 0.0174 0.0178 0.0182 0.0186 0.0190 0.0195 0.0200 0.0205 0.0210 0.0215 0.0221 0.0227 0.0233 0.0240 0.0247 0.0255 0.0263 0.0272 0.0282 2013 0.0198 0.0202 0.0206 0.0210 0.0214 0.0219 0.0224 0.0229 0.0234 0.0239 0.0244 0.0250 0.0256 0.0263 0.0269 0.0276 0.0283 0.0291 0.0299 0.0308 0.0317 0.0327 0.0338 0.0350 0.0362 2014 0.0221 0.0225 0.0229 0.0234 0.0238 0.0244 0.0249 0.0255 0.0260 0.0266 0.0272 0.0279 0.0286 0.0293 0.0300 0.0308 0.0316 0.0324 0.0333 0.0343 0.0354 0.0365 0.0377 0.0389 0.0403 2015 0.0135 0.0138 0.0140 0.0143 0.0146 0.0149 0.0152 0.0156 0.0159 0.0163 0.0167 0.0170 0.0175 0.0179 0.0183 0.0188 0.0193 0.0198 0.0204 0.0210 0.0216 0.0223 0.0230 0.0238 0.0246 2016 0.0138 0.0140 0.0143 0.0146 0.0149 0.0152 0.0156 0.0159 0.0163 0.0167 0.0170 0.0175 0.0179 0.0183 0.0188 0.0193 0.0198 0.0204 0.0210 0.0216 0.0223 0.0230 0.0238 0.0246 0.0255


1989 5.00 4.88 4.76 4.64 4.53 4.41 4.29 4.17 4.06 3.94 3.83 3.71 3.60 3.49 3.38 3.27 3.15 3.05 2.94 2.83 2.72 2.61 2.51 1990 3.00 2.91 2.82 2.73 2.65 2.56 2.48 2.39 2.31 2.23 2.15 2.07 1.99 1.91 1.83 1.76 1.69 1.61 1.54 1.47 1.40 1.33 1.27 1.20 1991 4.00 3.96 3.92 3.87 3.83 3.79 3.74 3.70 3.66 3.61 3.56 3.52 3.47 3.43 3.38 3.33 3.28 3.23 3.18 3.13 3.08 3.03 2.98 2.92 2.87 1992 8.91 8.81 8.72 8.62 8.53 8.43 8.33 8.23 8.13 8.03 7.93 7.82 7.72 7.61 7.51 7.40 7.29 7.18 7.07 6.95 6.84 6.72 6.61 6.49 6.37 1993 7.81 7.72 7.62 7.52 7.43 7.33 7.23 7.13 7.03 6.93 6.83 6.73 6.62 6.52 6.41 6.31 6.20 6.09 5.99 5.88 5.76 5.65 5.54 5.42 5.31 1994 3.91 3.87 3.84 3.81 3.78 3.74 3.71 3.67 3.64 3.60 3.57 3.53 3.50 3.46 3.42 3.38 3.34 3.30 3.26 3.22 3.18 3.14 3.10 3.06 3.01 1995 4.81 4.76 4.71 4.66 4.61 4.56 4.50 4.45 4.40 4.35 4.29 4.24 4.18 4.13 4.07 4.02 3.96 3.90 3.84 3.78 3.72 3.66 3.60 3.54 3.47 1996 5.37 5.25 5.13 5.01 4.88 4.76 4.64 4.52 4.40 4.28 4.16 4.05 3.93 3.81 3.70 3.58 3.47 3.35 3.24 3.13 3.01 2.90 2.79 2.68 2.58 1997 7.60 7.53 7.46 7.39 7.32 7.25 7.18 7.11 7.03 6.96 6.88 6.81 6.73 6.65 6.57 6.49 6.41 6.32 6.24 6.16 6.07 5.98 5.89 5.80 5.71 1998 11.95 11.80 11.64 11.49 11.33 11.18 11.02 10.86 10.70 10.54 10.37 10.21 10.05 9.88 9.71 9.54 9.37 9.20 9.03 8.85 8.68 8.50 8.32 8.14 7.95 1999 3.39 3.32 3.24 3.17 3.10 3.02 2.95 2.87 2.80 2.73 2.66 2.58 2.51 2.44 2.37 2.30 2.23 2.16 2.09 2.02 1.95 1.88 1.81 1.74 1.67 2000 3.99 3.89 3.78 3.67 3.57 3.46 3.36 3.26 3.16 3.06 2.96 2.86 2.76 2.66 2.57 2.47 2.38 2.29 2.20 2.11 2.02 1.93 1.85 1.76 1.68 2001 3.56 3.52 3.47 3.42 3.38 3.33 3.29 3.24 3.19 3.14 3.09 3.05 3.00 2.95 2.90 2.85 2.80 2.75 2.69 2.64 2.59 2.54 2.48 2.43 2.38 2002 12.01 11.83 11.64 11.45 11.27 11.08 10.89 10.70 10.51 10.32 10.13 9.93 9.74 9.55 9.35 9.16 8.96 8.76 8.56 8.36 8.16 7.96 7.76 7.55 7.35 2003 2.14 2.07 2.00 1.94 1.87 1.81 1.75 1.68 1.62 1.56 1.50 1.44 1.39 1.33 1.27 1.22 1.17 1.11 1.06 1.01 0.96 0.91 0.87 0.82 0.77 2004 4.27 4.21 4.15 4.10 4.04 3.98 3.92 3.86 3.80 3.73 3.67 3.61 3.55 3.49 3.42 3.36 3.29 3.23 3.17 3.10 3.03 2.97 2.90 2.83 2.76 2005 5.69 5.59 5.50 5.40 5.30 5.21 5.11 5.01 4.92 4.82 4.72 4.62 4.52 4.42 4.33 4.23 4.13 4.03 3.93 3.83 3.73 3.63 3.53 3.42 3.32 2006 8.38 8.27 8.16 8.04 7.93 7.81 7.69 7.58 7.46 7.34 7.22 7.10 6.98 6.85 6.73 6.61 6.48 6.36 6.23 6.10 5.98 5.85 5.72 5.58 5.45 2007 5.82 5.68 5.55 5.42 5.29 5.16 5.02 4.89 4.76 4.63 4.51 4.38 4.25 4.12 4.00 3.87 3.75 3.63 3.50 3.38 3.26 3.14 3.02 2.90 2.78 2008 8.51 8.42 8.32 8.22 8.13 8.03 7.93 7.83 7.73 7.63 7.53 7.42 7.32 7.21 7.11 7.00 6.89 6.78 6.67 6.56 6.45 6.33 6.21 6.10 5.98 2009 7.19 7.09 6.98 6.87 6.77 6.66 6.55 6.44 6.33 6.22 6.11 6.00 5.89 5.78 5.67 5.55 5.44 5.33 5.21 5.10 4.98 4.86 4.74 4.62 4.50 2010 5.24 5.19 5.15 5.10 5.06 5.01 4.96 4.92 4.87 4.82 4.77 4.72 4.67 4.62 4.57 4.51 4.46 4.41 4.35 4.29 4.24 4.18 4.12 4.06 4.00 2011 8.48 8.35 8.22 8.09 7.97 7.84 7.71 7.58 7.45 7.31 7.18 7.05 6.91 6.78 6.64 6.51 6.37 6.24 6.10 5.96 5.82 5.68 5.54 5.40 5.26 2012 8.33 8.20 8.07 7.94 7.81 7.68 7.55 7.42 7.29 7.16 7.02 6.89 6.75 6.62 6.48 6.35 6.21 6.07 5.94 5.80 5.66 5.52 5.38 5.24 5.09 2013 6.83 6.70 6.56 6.43 6.29 6.16 6.02 5.89 5.76 5.62 5.49 5.35 5.22 5.08 4.95 4.82 4.68 4.55 4.42 4.29 4.16 4.02 3.89 3.76 3.63 2014 10.08 9.86 9.64 9.42 9.20 8.98 8.76 8.54 8.32 8.11 7.89 7.68 7.46 7.25 7.04 6.83 6.62 6.41 6.20 5.99 5.79 5.58 5.38 5.18 4.97 2015 7.49 7.39 7.28 7.18 7.08 6.98 6.87 6.77 6.66 6.56 6.45 6.34 6.23 6.13 6.02 5.91 5.79 5.68 5.57 5.46 5.34 5.23 5.11 4.99 4.87 2016 2.46 2.43 2.39 2.36 2.33 2.29 2.26 2.22 2.19 2.15 2.11 2.08 2.04 2.01 1.97 1.93 1.89 1.86 1.82 1.78 1.74 1.70 1.66 1.62 1.58



Sheet 2cAccepted Claim Counts (Excluding Deceased Claims) - Expected Remaining Alive by Maturity


Birth 603:615 615:627 627:639 639:651 651:663 663:675 675:687 687:699 699:711 711:723 723:735 735:747 747:759 759:771 771:783 783:795 795:807 807:819 819:831 831:843 843:855 855:867 867:879 879:891 891:903---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 0.0436 0.0452 0.0470 0.0488 0.0508 0.0529 0.0551 0.0575 0.0600 0.0627 0.0657 0.0688 0.0721 0.0757 0.0796 0.0838 0.0883 0.0931 0.0982 0.1036 0.1093 0.1155 0.1222 0.1296 0.1376 1990 0.0556 0.0577 0.0599 0.0623 0.0648 0.0675 0.0703 0.0734 0.0766 0.0801 0.0838 0.0877 0.0920 0.0966 0.1016 0.1069 0.1127 0.1188 0.1253 0.1321 0.1394 0.1473 0.1560 0.1654 0.1756 1991 0.0198 0.0205 0.0213 0.0222 0.0231 0.0240 0.0250 0.0261 0.0273 0.0285 0.0298 0.0312 0.0327 0.0344 0.0361 0.0380 0.0401 0.0423 0.0446 0.0470 0.0496 0.0524 0.0555 0.0588 0.0625 1992 0.0200 0.0208 0.0216 0.0224 0.0233 0.0243 0.0253 0.0264 0.0276 0.0288 0.0301 0.0316 0.0331 0.0348 0.0365 0.0385 0.0405 0.0428 0.0451 0.0476 0.0502 0.0530 0.0561 0.0595 0.0632 1993 0.0230 0.0239 0.0248 0.0258 0.0268 0.0279 0.0291 0.0304 0.0317 0.0331 0.0347 0.0363 0.0381 0.0400 0.0420 0.0443 0.0466 0.0492 0.0519 0.0547 0.0577 0.0610 0.0646 0.0685 0.0727 1994 0.0155 0.0161 0.0167 0.0174 0.0181 0.0188 0.0196 0.0205 0.0214 0.0224 0.0234 0.0245 0.0257 0.0270 0.0284 0.0299 0.0315 0.0332 0.0350 0.0369 0.0389 0.0411 0.0436 0.0462 0.0490 1995 0.0194 0.0201 0.0209 0.0217 0.0226 0.0235 0.0245 0.0256 0.0267 0.0279 0.0292 0.0306 0.0321 0.0337 0.0354 0.0373 0.0393 0.0414 0.0437 0.0461 0.0486 0.0514 0.0544 0.0577 0.0612 1996 0.0435 0.0451 0.0469 0.0487 0.0507 0.0527 0.0550 0.0574 0.0599 0.0626 0.0655 0.0686 0.0719 0.0755 0.0794 0.0836 0.0881 0.0929 0.0980 0.1033 0.1090 0.1152 0.1220 0.1293 0.1373 1997 0.0171 0.0177 0.0184 0.0191 0.0199 0.0207 0.0216 0.0225 0.0235 0.0246 0.0257 0.0270 0.0283 0.0297 0.0312 0.0328 0.0346 0.0365 0.0385 0.0406 0.0428 0.0453 0.0479 0.0508 0.0539 1998 0.0243 0.0252 0.0261 0.0272 0.0283 0.0294 0.0307 0.0320 0.0334 0.0349 0.0365 0.0383 0.0401 0.0421 0.0443 0.0466 0.0491 0.0518 0.0547 0.0576 0.0608 0.0643 0.0680 0.0721 0.0766 1999 0.0418 0.0433 0.0450 0.0468 0.0487 0.0507 0.0528 0.0551 0.0575 0.0601 0.0629 0.0659 0.0691 0.0726 0.0763 0.0803 0.0846 0.0892 0.0941 0.0992 0.1047 0.1106 0.1171 0.1242 0.1319 2000 0.0511 0.0530 0.0551 0.0573 0.0596 0.0620 0.0646 0.0674 0.0704 0.0736 0.0770 0.0806 0.0846 0.0888 0.0933 0.0982 0.1035 0.1092 0.1152 0.1214 0.1281 0.1354 0.1433 0.1520 0.1614 2001 0.0241 0.0250 0.0260 0.0270 0.0281 0.0293 0.0305 0.0318 0.0332 0.0347 0.0363 0.0381 0.0399 0.0419 0.0441 0.0464 0.0489 0.0515 0.0544 0.0573 0.0605 0.0639 0.0676 0.0717 0.0762 2002 0.0292 0.0303 0.0315 0.0327 0.0340 0.0354 0.0369 0.0385 0.0402 0.0420 0.0440 0.0461 0.0483 0.0507 0.0533 0.0561 0.0592 0.0624 0.0658 0.0694 0.0732 0.0774 0.0819 0.0868 0.0922 2003 0.0596 0.0618 0.0642 0.0668 0.0694 0.0723 0.0753 0.0786 0.0821 0.0858 0.0898 0.0940 0.0986 0.1035 0.1088 0.1145 0.1207 0.1273 0.1343 0.1416 0.1494 0.1578 0.1671 0.1772 0.1882 2004 0.0259 0.0269 0.0279 0.0290 0.0302 0.0314 0.0327 0.0342 0.0357 0.0373 0.0390 0.0409 0.0429 0.0450 0.0473 0.0498 0.0525 0.0553 0.0584 0.0616 0.0649 0.0686 0.0726 0.0770 0.0818 2005 0.0319 0.0332 0.0344 0.0358 0.0372 0.0387 0.0404 0.0421 0.0440 0.0460 0.0481 0.0504 0.0529 0.0555 0.0583 0.0614 0.0647 0.0683 0.0720 0.0759 0.0801 0.0846 0.0896 0.0950 0.1009 2006 0.0256 0.0266 0.0276 0.0287 0.0299 0.0311 0.0324 0.0338 0.0353 0.0369 0.0386 0.0404 0.0424 0.0445 0.0468 0.0493 0.0519 0.0547 0.0577 0.0609 0.0642 0.0679 0.0719 0.0762 0.0809 2007 0.0436 0.0452 0.0470 0.0488 0.0508 0.0529 0.0551 0.0575 0.0600 0.0627 0.0656 0.0687 0.0721 0.0757 0.0796 0.0838 0.0883 0.0931 0.0982 0.1035 0.1092 0.1154 0.1222 0.1296 0.1376 2008 0.0211 0.0219 0.0227 0.0236 0.0245 0.0255 0.0266 0.0278 0.0290 0.0303 0.0317 0.0332 0.0348 0.0366 0.0385 0.0405 0.0427 0.0450 0.0475 0.0500 0.0528 0.0558 0.0591 0.0626 0.0665 2009 0.0278 0.0289 0.0300 0.0312 0.0324 0.0338 0.0352 0.0367 0.0383 0.0401 0.0419 0.0439 0.0460 0.0483 0.0508 0.0535 0.0564 0.0594 0.0627 0.0661 0.0698 0.0737 0.0780 0.0827 0.0879 2010 0.0161 0.0167 0.0174 0.0181 0.0188 0.0195 0.0204 0.0213 0.0222 0.0232 0.0243 0.0254 0.0267 0.0280 0.0294 0.0310 0.0326 0.0344 0.0363 0.0383 0.0404 0.0427 0.0452 0.0479 0.0509 2011 0.0284 0.0295 0.0306 0.0318 0.0331 0.0345 0.0359 0.0375 0.0392 0.0409 0.0428 0.0449 0.0470 0.0494 0.0519 0.0546 0.0576 0.0607 0.0641 0.0675 0.0713 0.0753 0.0797 0.0845 0.0898 2012 0.0292 0.0303 0.0315 0.0327 0.0340 0.0354 0.0369 0.0385 0.0402 0.0420 0.0440 0.0461 0.0483 0.0507 0.0533 0.0561 0.0592 0.0624 0.0658 0.0694 0.0732 0.0774 0.0819 0.0868 0.0922 2013 0.0375 0.0389 0.0404 0.0420 0.0437 0.0455 0.0474 0.0495 0.0517 0.0540 0.0565 0.0592 0.0621 0.0652 0.0685 0.0721 0.0760 0.0801 0.0845 0.0891 0.0940 0.0994 0.1052 0.1115 0.1185 2014 0.0418 0.0434 0.0450 0.0468 0.0487 0.0507 0.0528 0.0551 0.0576 0.0602 0.0630 0.0659 0.0691 0.0726 0.0763 0.0803 0.0847 0.0893 0.0942 0.0993 0.1048 0.1107 0.1172 0.1243 0.1320 2015 0.0255 0.0265 0.0275 0.0286 0.0298 0.0310 0.0323 0.0337 0.0352 0.0368 0.0385 0.0403 0.0423 0.0444 0.0467 0.0491 0.0518 0.0546 0.0576 0.0607 0.0640 0.0677 0.0717 0.0760 0.0807 2016 0.0265 0.0275 0.0286 0.0298 0.0310 0.0323 0.0337 0.0352 0.0368 0.0385 0.0403 0.0423 0.0444 0.0467 0.0491 0.0518 0.0546 0.0576 0.0607 0.0640 0.0677 0.0717 0.0760 0.0807 0.0858


1989 2.40 2.30 2.19 2.09 1.99 1.89 1.79 1.69 1.59 1.50 1.40 1.31 1.22 1.13 1.05 0.96 0.88 0.80 0.73 0.66 0.59 0.53 0.46 0.41 0.36 1990 1.14 1.07 1.01 0.95 0.89 0.83 0.78 0.72 0.67 0.62 0.57 0.52 0.48 0.43 0.39 0.35 0.31 0.28 0.24 0.21 0.19 0.16 0.14 0.12 0.10 1991 2.82 2.76 2.70 2.65 2.59 2.53 2.47 2.40 2.34 2.28 2.21 2.15 2.08 2.01 1.94 1.87 1.80 1.73 1.66 1.58 1.51 1.43 1.36 1.28 1.21 1992 6.24 6.12 5.99 5.86 5.73 5.60 5.46 5.32 5.18 5.04 4.90 4.75 4.60 4.45 4.29 4.13 3.97 3.81 3.65 3.49 3.32 3.15 2.99 2.82 2.65 1993 5.19 5.07 4.95 4.83 4.70 4.58 4.45 4.32 4.19 4.05 3.92 3.78 3.65 3.51 3.37 3.23 3.08 2.94 2.79 2.65 2.50 2.36 2.22 2.07 1.93 1994 2.97 2.92 2.87 2.82 2.78 2.73 2.67 2.62 2.57 2.51 2.46 2.40 2.34 2.28 2.22 2.16 2.09 2.03 1.96 1.89 1.82 1.75 1.68 1.60 1.53 1995 3.41 3.34 3.27 3.21 3.14 3.07 2.99 2.92 2.85 2.77 2.69 2.61 2.53 2.45 2.37 2.29 2.20 2.11 2.03 1.94 1.85 1.76 1.67 1.58 1.49 1996 2.47 2.36 2.25 2.15 2.04 1.94 1.84 1.74 1.64 1.54 1.44 1.35 1.26 1.17 1.08 0.99 0.91 0.83 0.75 0.68 0.61 0.54 0.48 0.42 0.37 1997 5.62 5.52 5.42 5.32 5.22 5.12 5.01 4.90 4.79 4.68 4.56 4.45 4.33 4.20 4.08 3.95 3.82 3.69 3.56 3.42 3.28 3.14 3.00 2.85 2.71 1998 7.77 7.58 7.39 7.19 7.00 6.80 6.60 6.40 6.19 5.99 5.78 5.57 5.35 5.14 4.92 4.70 4.48 4.26 4.04 3.82 3.60 3.38 3.16 2.95 2.74 1999 1.61 1.54 1.47 1.41 1.34 1.28 1.21 1.15 1.08 1.02 0.96 0.90 0.84 0.78 0.73 0.67 0.62 0.56 0.51 0.47 0.42 0.38 0.33 0.29 0.26 2000 1.60 1.51 1.43 1.35 1.28 1.20 1.13 1.05 0.98 0.91 0.85 0.78 0.72 0.66 0.60 0.54 0.49 0.44 0.39 0.35 0.30 0.27 0.23 0.20 0.17 2001 2.32 2.26 2.21 2.15 2.09 2.03 1.97 1.91 1.85 1.79 1.73 1.67 1.60 1.54 1.47 1.41 1.34 1.28 1.21 1.15 1.08 1.02 0.95 0.89 0.82 2002 7.14 6.93 6.72 6.51 6.30 6.08 5.87 5.65 5.43 5.21 5.00 4.78 4.56 4.34 4.12 3.90 3.68 3.46 3.24 3.03 2.82 2.61 2.41 2.21 2.02 2003 0.73 0.69 0.64 0.60 0.56 0.52 0.49 0.45 0.41 0.38 0.35 0.32 0.29 0.26 0.23 0.21 0.18 0.16 0.14 0.12 0.10 0.09 0.07 0.06 0.05 2004 2.69 2.63 2.55 2.48 2.41 2.34 2.26 2.19 2.12 2.04 1.96 1.89 1.81 1.73 1.65 1.58 1.50 1.42 1.34 1.26 1.18 1.11 1.03 0.96 0.88 2005 3.22 3.12 3.01 2.91 2.81 2.70 2.60 2.49 2.39 2.28 2.18 2.07 1.97 1.86 1.76 1.66 1.56 1.45 1.36 1.26 1.16 1.07 0.98 0.89 0.81 2006 5.32 5.18 5.04 4.90 4.76 4.62 4.48 4.33 4.18 4.04 3.89 3.74 3.59 3.43 3.28 3.13 2.97 2.82 2.67 2.51 2.36 2.21 2.06 1.91 1.76 2007 2.67 2.55 2.44 2.32 2.21 2.10 1.98 1.88 1.77 1.66 1.56 1.46 1.36 1.26 1.16 1.07 0.98 0.89 0.81 0.73 0.66 0.58 0.52 0.45 0.39 2008 5.86 5.73 5.61 5.48 5.35 5.22 5.09 4.95 4.81 4.67 4.53 4.39 4.24 4.09 3.94 3.79 3.64 3.48 3.33 3.17 3.01 2.85 2.69 2.53 2.37 2009 4.38 4.26 4.14 4.01 3.89 3.76 3.64 3.51 3.38 3.25 3.12 2.99 2.86 2.73 2.59 2.46 2.33 2.20 2.07 1.94 1.81 1.68 1.56 1.44 1.32 2010 3.94 3.87 3.81 3.74 3.68 3.61 3.54 3.46 3.39 3.32 3.24 3.16 3.08 3.00 2.91 2.83 2.74 2.65 2.56 2.47 2.37 2.28 2.18 2.08 1.98 2011 5.11 4.97 4.82 4.67 4.52 4.37 4.22 4.07 3.92 3.76 3.61 3.46 3.30 3.15 2.99 2.84 2.68 2.53 2.37 2.22 2.07 1.92 1.78 1.64 1.50 2012 4.95 4.81 4.66 4.51 4.37 4.22 4.07 3.92 3.77 3.62 3.46 3.31 3.16 3.01 2.85 2.70 2.55 2.40 2.25 2.10 1.96 1.81 1.67 1.54 1.40 2013 3.50 3.37 3.24 3.10 2.97 2.84 2.71 2.59 2.46 2.33 2.20 2.08 1.96 1.84 1.72 1.60 1.48 1.37 1.26 1.15 1.05 0.95 0.86 0.77 0.68 2014 4.77 4.57 4.38 4.18 3.98 3.79 3.60 3.41 3.22 3.03 2.85 2.67 2.50 2.32 2.15 1.99 1.83 1.68 1.53 1.38 1.24 1.11 0.99 0.87 0.77 2015 4.75 4.63 4.51 4.39 4.26 4.13 4.00 3.88 3.74 3.61 3.48 3.35 3.21 3.08 2.94 2.80 2.66 2.53 2.39 2.25 2.11 1.98 1.85 1.71 1.58 2016 1.54 1.50 1.46 1.42 1.38 1.33 1.29 1.25 1.20 1.16 1.12 1.07 1.03 0.98 0.93 0.89 0.84 0.80 0.75 0.70 0.66 0.62 0.57 0.53 0.49



Sheet 2dAccepted Claim Counts (Excluding Deceased Claims) - Expected Remaining Alive by Maturity


Birth 903:915 915:927 927:939 939:951 951:963 963:975 975:987 987:999 999:1011 1011:1023 1023:1035 1035:1047 1047:1059 1059:1071 1071:1083 1083:1095 1095:1107 1107:1119 1119:1131 1131:1143 1143:1155 1155:1167 1167:1179 1179:1191 1191:1203---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 0.1464 0.1559 0.1663 0.1775 0.1896 0.2027 0.2170 0.2327 0.2499 0.2686 0.2890 0.3112 0.3353 0.3616 0.3900 0.4207 0.4540 0.4897 0.5282 0.5693 0.6131 0.6588 0.7063 0.7555 0.8066 1990 0.1868 0.1990 0.2122 0.2265 0.2419 0.2587 0.2770 0.2970 0.3189 0.3428 0.3688 0.3971 0.4279 0.4614 0.4977 0.5369 0.5793 0.6250 0.6740 0.7265 0.7824 0.8407 0.9013 0.9641 1.0000 1991 0.0664 0.0708 0.0755 0.0806 0.0861 0.0920 0.0985 0.1057 0.1134 0.1219 0.1312 0.1413 0.1522 0.1641 0.1770 0.1910 0.2061 0.2223 0.2398 0.2585 0.2783 0.2991 0.3206 0.3430 0.3662 1992 0.0672 0.0716 0.0764 0.0815 0.0871 0.0931 0.0997 0.1069 0.1147 0.1233 0.1327 0.1429 0.1540 0.1660 0.1791 0.1932 0.2084 0.2249 0.2425 0.2614 0.2815 0.3025 0.3243 0.3469 0.3704 1993 0.0773 0.0824 0.0879 0.0938 0.1002 0.1071 0.1147 0.1230 0.1320 0.1419 0.1527 0.1644 0.1772 0.1910 0.2060 0.2223 0.2398 0.2587 0.2790 0.3008 0.3239 0.3480 0.3731 0.3991 0.4261 1994 0.0522 0.0556 0.0593 0.0633 0.0676 0.0722 0.0773 0.0829 0.0890 0.0957 0.1030 0.1109 0.1195 0.1288 0.1390 0.1499 0.1618 0.1745 0.1882 0.2029 0.2185 0.2348 0.2517 0.2692 0.2874 1995 0.0651 0.0694 0.0740 0.0790 0.0843 0.0902 0.0966 0.1035 0.1112 0.1195 0.1286 0.1384 0.1492 0.1608 0.1735 0.1872 0.2020 0.2179 0.2350 0.2533 0.2727 0.2931 0.3142 0.3361 0.3588 1996 0.1460 0.1556 0.1659 0.1771 0.1892 0.2022 0.2165 0.2322 0.2493 0.2680 0.2883 0.3105 0.3346 0.3607 0.3891 0.4198 0.4529 0.4886 0.5270 0.5680 0.6117 0.6573 0.7047 0.7538 0.8048 1997 0.0574 0.0611 0.0652 0.0696 0.0743 0.0795 0.0851 0.0912 0.0980 0.1053 0.1133 0.1220 0.1314 0.1417 0.1529 0.1649 0.1779 0.1920 0.2070 0.2232 0.2403 0.2582 0.2768 0.2961 0.3162 1998 0.0815 0.0868 0.0926 0.0988 0.1055 0.1128 0.1208 0.1296 0.1391 0.1495 0.1609 0.1732 0.1867 0.2013 0.2171 0.2342 0.2527 0.2726 0.2940 0.3169 0.3413 0.3667 0.3931 0.4206 0.4490 1999 0.1403 0.1494 0.1594 0.1701 0.1817 0.1942 0.2080 0.2230 0.2395 0.2574 0.2769 0.2982 0.3214 0.3465 0.3737 0.4032 0.4350 0.4693 0.5062 0.5456 0.5875 0.6313 0.6768 0.7240 0.7730 2000 0.1716 0.1828 0.1950 0.2082 0.2223 0.2377 0.2545 0.2729 0.2930 0.3150 0.3389 0.3649 0.3932 0.4240 0.4573 0.4934 0.5323 0.5743 0.6194 0.6676 0.7190 0.7725 0.8282 0.8860 0.9459 2001 0.0810 0.0863 0.0920 0.0982 0.1049 0.1122 0.1201 0.1288 0.1383 0.1487 0.1599 0.1722 0.1856 0.2001 0.2158 0.2329 0.2513 0.2711 0.2923 0.3151 0.3393 0.3646 0.3909 0.4182 0.4465 2002 0.0981 0.1045 0.1114 0.1189 0.1270 0.1358 0.1454 0.1560 0.1675 0.1800 0.1937 0.2085 0.2247 0.2423 0.2613 0.2819 0.3042 0.3282 0.3540 0.3815 0.4108 0.4415 0.4733 0.5063 0.5405 2003 0.2001 0.2132 0.2274 0.2427 0.2592 0.2771 0.2967 0.3182 0.3416 0.3672 0.3951 0.4255 0.4585 0.4943 0.5332 0.5752 0.6206 0.6696 0.7221 0.7784 0.8382 0.9007 0.9656 1.0000 1.0000 2004 0.0870 0.0927 0.0988 0.1055 0.1127 0.1205 0.1290 0.1383 0.1485 0.1596 0.1718 0.1850 0.1993 0.2149 0.2318 0.2501 0.2698 0.2911 0.3139 0.3384 0.3644 0.3916 0.4198 0.4491 0.4794 2005 0.1073 0.1143 0.1219 0.1301 0.1390 0.1486 0.1591 0.1706 0.1832 0.1969 0.2118 0.2281 0.2458 0.2650 0.2858 0.3084 0.3327 0.3590 0.3872 0.4173 0.4494 0.4829 0.5177 0.5538 0.5912 2006 0.0861 0.0917 0.0978 0.1044 0.1115 0.1192 0.1276 0.1368 0.1469 0.1579 0.1699 0.1830 0.1972 0.2126 0.2293 0.2474 0.2669 0.2880 0.3106 0.3347 0.3605 0.3873 0.4153 0.4442 0.4743 2007 0.1463 0.1559 0.1663 0.1775 0.1895 0.2027 0.2170 0.2327 0.2498 0.2685 0.2889 0.3111 0.3353 0.3615 0.3899 0.4207 0.4539 0.4897 0.5281 0.5692 0.6130 0.6587 0.7061 0.7554 0.8065 2008 0.0707 0.0753 0.0804 0.0858 0.0916 0.0979 0.1049 0.1125 0.1208 0.1298 0.1396 0.1504 0.1620 0.1747 0.1885 0.2033 0.2194 0.2367 0.2552 0.2751 0.2963 0.3183 0.3413 0.3651 0.3898 2009 0.0934 0.0995 0.1062 0.1133 0.1210 0.1294 0.1386 0.1486 0.1595 0.1715 0.1845 0.1987 0.2141 0.2308 0.2490 0.2686 0.2898 0.3127 0.3372 0.3635 0.3914 0.4206 0.4509 0.4824 0.5150 2010 0.0541 0.0577 0.0615 0.0656 0.0701 0.0750 0.0803 0.0861 0.0924 0.0993 0.1069 0.1151 0.1240 0.1337 0.1442 0.1556 0.1679 0.1811 0.1953 0.2105 0.2267 0.2436 0.2612 0.2794 0.2983 2011 0.0955 0.1017 0.1085 0.1158 0.1237 0.1322 0.1416 0.1518 0.1630 0.1752 0.1885 0.2030 0.2187 0.2358 0.2544 0.2744 0.2961 0.3194 0.3445 0.3713 0.3999 0.4297 0.4607 0.4928 0.5261 2012 0.0981 0.1045 0.1114 0.1189 0.1270 0.1358 0.1454 0.1560 0.1675 0.1800 0.1937 0.2085 0.2247 0.2423 0.2613 0.2820 0.3042 0.3282 0.3540 0.3815 0.4109 0.4415 0.4733 0.5063 0.5405 2013 0.1260 0.1342 0.1431 0.1528 0.1632 0.1745 0.1868 0.2003 0.2151 0.2312 0.2487 0.2678 0.2886 0.3112 0.3357 0.3621 0.3907 0.4215 0.4546 0.4900 0.5277 0.5670 0.6079 0.6503 0.6943 2014 0.1403 0.1495 0.1595 0.1702 0.1818 0.1944 0.2081 0.2232 0.2396 0.2576 0.2771 0.2984 0.3216 0.3467 0.3739 0.4034 0.4353 0.4696 0.5065 0.5459 0.5879 0.6317 0.6772 0.7244 0.7735 2015 0.0858 0.0914 0.0975 0.1041 0.1111 0.1188 0.1272 0.1364 0.1465 0.1575 0.1694 0.1824 0.1966 0.2119 0.2286 0.2466 0.2661 0.2871 0.3096 0.3337 0.3594 0.3862 0.4140 0.4429 0.4729 2016 0.0914 0.0975 0.1041 0.1111 0.1188 0.1272 0.1364 0.1465 0.1575 0.1694 0.1824 0.1966 0.2119 0.2286 0.2466 0.2661 0.2871 0.3096 0.3337 0.3594 0.3862 0.4140 0.4429 0.4729 0.5042


1989 0.31 0.26 0.22 0.18 0.15 0.12 0.10 0.08 0.06 0.04 0.03 0.02 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1990 0.08 0.06 0.05 0.04 0.03 0.02 0.02 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1991 1.13 1.06 0.98 0.91 0.83 0.76 0.69 0.62 0.56 0.50 0.43 0.38 0.32 0.27 0.23 0.19 0.15 0.12 0.09 0.07 0.05 0.04 0.03 0.02 0.01 1992 2.48 2.32 2.15 1.99 1.82 1.67 1.51 1.36 1.21 1.08 0.94 0.82 0.70 0.59 0.49 0.41 0.33 0.26 0.20 0.15 0.11 0.08 0.06 0.04 0.02 1993 1.79 1.65 1.52 1.38 1.25 1.13 1.01 0.89 0.78 0.68 0.58 0.49 0.41 0.34 0.27 0.22 0.17 0.13 0.10 0.07 0.05 0.03 0.02 0.01 0.01 1994 1.46 1.38 1.30 1.23 1.15 1.07 0.99 0.92 0.84 0.77 0.69 0.62 0.55 0.49 0.42 0.36 0.31 0.26 0.21 0.17 0.14 0.11 0.08 0.06 0.05 1995 1.40 1.30 1.21 1.12 1.04 0.95 0.86 0.78 0.70 0.62 0.55 0.48 0.41 0.35 0.29 0.24 0.20 0.16 0.12 0.09 0.07 0.05 0.04 0.02 0.02 1996 0.32 0.27 0.23 0.19 0.16 0.13 0.10 0.08 0.06 0.05 0.03 0.02 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1997 2.56 2.42 2.27 2.12 1.97 1.83 1.68 1.54 1.40 1.26 1.13 1.00 0.88 0.76 0.65 0.55 0.46 0.38 0.31 0.24 0.19 0.14 0.11 0.08 0.05 1998 2.53 2.32 2.12 1.92 1.73 1.55 1.38 1.21 1.05 0.91 0.77 0.65 0.53 0.43 0.35 0.27 0.21 0.16 0.11 0.08 0.05 0.04 0.02 0.01 0.01 1999 0.22 0.19 0.16 0.14 0.11 0.09 0.08 0.06 0.05 0.04 0.03 0.02 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2000 0.14 0.12 0.09 0.08 0.06 0.05 0.04 0.03 0.02 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2001 0.76 0.70 0.64 0.58 0.52 0.47 0.42 0.37 0.32 0.27 0.23 0.20 0.16 0.13 0.11 0.08 0.06 0.05 0.03 0.02 0.02 0.01 0.01 0.00 0.00 2002 1.84 1.66 1.48 1.32 1.16 1.01 0.88 0.75 0.63 0.53 0.43 0.35 0.28 0.21 0.16 0.12 0.09 0.06 0.04 0.03 0.02 0.01 0.01 0.00 0.00 2003 0.04 0.03 0.03 0.02 0.02 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2004 0.81 0.74 0.67 0.61 0.54 0.48 0.42 0.37 0.32 0.27 0.23 0.19 0.15 0.12 0.10 0.07 0.06 0.04 0.03 0.02 0.01 0.01 0.01 0.00 0.00 2005 0.73 0.65 0.57 0.50 0.44 0.38 0.32 0.27 0.22 0.18 0.15 0.12 0.09 0.07 0.05 0.04 0.02 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.00 2006 1.62 1.48 1.35 1.21 1.09 0.97 0.85 0.74 0.64 0.55 0.46 0.38 0.31 0.25 0.20 0.15 0.11 0.08 0.06 0.04 0.03 0.02 0.01 0.01 0.00 2007 0.34 0.29 0.25 0.20 0.17 0.14 0.11 0.09 0.07 0.05 0.04 0.03 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2008 2.22 2.06 1.90 1.75 1.60 1.45 1.31 1.17 1.04 0.92 0.80 0.69 0.58 0.49 0.40 0.33 0.26 0.20 0.16 0.12 0.08 0.06 0.04 0.03 0.02 2009 1.20 1.09 0.98 0.88 0.78 0.68 0.60 0.51 0.44 0.37 0.30 0.25 0.20 0.16 0.12 0.09 0.07 0.05 0.03 0.02 0.01 0.01 0.00 0.00 0.00 2010 1.88 1.78 1.68 1.57 1.47 1.37 1.26 1.16 1.06 0.96 0.87 0.78 0.69 0.60 0.52 0.45 0.38 0.31 0.26 0.21 0.16 0.13 0.10 0.07 0.05 2011 1.36 1.23 1.11 0.99 0.87 0.77 0.66 0.57 0.48 0.40 0.33 0.27 0.22 0.17 0.13 0.10 0.07 0.05 0.03 0.02 0.01 0.01 0.00 0.00 0.00 2012 1.27 1.15 1.03 0.91 0.80 0.70 0.61 0.52 0.44 0.36 0.30 0.24 0.19 0.15 0.11 0.08 0.06 0.04 0.03 0.02 0.01 0.01 0.00 0.00 0.00 2013 0.60 0.53 0.45 0.39 0.33 0.28 0.23 0.19 0.15 0.12 0.09 0.07 0.05 0.04 0.02 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2014 0.67 0.57 0.49 0.41 0.34 0.28 0.22 0.18 0.14 0.10 0.08 0.06 0.04 0.03 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2015 1.46 1.33 1.21 1.09 0.98 0.87 0.77 0.67 0.58 0.49 0.41 0.34 0.28 0.23 0.18 0.14 0.10 0.08 0.05 0.04 0.02 0.02 0.01 0.01 0.00 2016 0.44 0.40 0.36 0.33 0.29 0.26 0.22 0.19 0.16 0.14 0.11 0.09 0.08 0.06 0.05 0.03 0.03 0.02 0.01 0.01 0.01 0.00 0.00 0.00 0.00



Sheet 2eAccepted Claim Counts (Excluding Deceased Claims) - Expected Remaining Alive by Maturity

Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity Maturity MaturityYear of (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months) (months)

Birth 1203:1215 1215:1227 1227:1239 1239:1251 1251:1263 1263:1275 1275:1287 1287:1299 1299:1311 1311:1323 1323:1335 1335:1347 1347:1359 1359:1371 1371:1383 1383:1395 1395:1407 1407:1419 1419:1431 1431:1443 1443:1455 1455:1467 1467:1479---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------


1989 0.8601 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 0.8916 1.0000 1990 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1991 0.3905 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 0.4048 1.0000 1992 0.3949 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 0.4094 1.0000 1993 0.4544 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 0.4710 1.0000 1994 0.3065 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 0.3177 1.0000 1995 0.3826 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 0.3966 1.0000 1996 0.8582 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 0.8895 1.0000 1997 0.3371 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 0.3495 1.0000 1998 0.4788 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 0.4963 1.0000 1999 0.8242 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 0.8544 1.0000 2000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 2001 0.4760 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 0.4935 1.0000 2002 0.5764 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 0.5974 1.0000 2003 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 2004 0.5112 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 0.5299 1.0000 2005 0.6304 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 0.6535 1.0000 2006 0.5057 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 0.5242 1.0000 2007 0.8599 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 0.8914 1.0000 2008 0.4156 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 0.4308 1.0000 2009 0.5491 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 0.5692 1.0000 2010 0.3180 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 0.3297 1.0000 2011 0.5610 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 0.5815 1.0000 2012 0.5764 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 0.5975 1.0000 2013 0.7403 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 0.7674 1.0000 2014 0.8247 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 0.8549 1.0000 2015 0.5042 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 1.0000 2016 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 0.5226 1.0000 1.0000


1989 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1990 - - - - - - - - - - - - - - - - - - - - - - - 1991 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1992 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1993 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1994 0.03 0.02 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1995 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1996 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1997 0.04 0.02 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1998 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1999 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2000 0.00 - - - - - - - - - - - - - - - - - - - - - - 2001 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2002 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2003 - - - - - - - - - - - - - - - - - - - - - - - 2004 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2005 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2006 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2007 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2008 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2009 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2010 0.04 0.02 0.02 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2011 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2012 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2013 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2014 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2015 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 2016 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - -


Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix EEvaluated As of March 31, 2016 Exhibit IV

Sheet 1aSelected Average Incremental Payments Per Open Accepted Claim - 2016 Cost Level

Year ofBirth 3 15 27 39 51 63 75 87 99 111 123 135 147 159

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

I. Accepted Reported Claim Counts - (Open Accepted Claims)

1989 - - 2 8 8 9 8 8 8 8 8 7 6 6 1990 - 1 3 7 7 7 7 7 7 7 7 7 7 7 1991 - 1 1 3 4 4 4 4 4 4 4 4 4 4 1992 - 2 4 12 13 13 12 12 12 11 11 11 11 11 1993 - 2 5 11 12 11 11 11 11 11 11 11 11 11 1994 - 2 2 5 6 6 7 7 6 4 4 4 4 4 1995 - - 3 6 6 6 6 5 5 5 5 5 5 5 1996 - 2 3 4 5 6 6 6 6 6 6 6 6 6 1997 - 1 7 8 7 8 9 9 9 9 9 9 9 9 1998 - 4 7 9 12 11 13 13 13 13 13 13 13 13 1999 - 3 3 3 7 8 8 8 7 7 7 7 7 6 2000 - 2 4 5 5 5 5 5 5 5 5 5 5 5 2001 - - 1 2 2 4 4 4 4 4 4 4 4 4 2002 - 2 5 11 13 13 15 15 15 15 15 15 14 14 2003 - - - 2 3 3 3 3 3 3 3 3 3 3 2004 - 1 3 3 4 5 5 5 5 5 5 5 5 2005 - 1 5 7 10 10 10 10 9 8 7 7 2006 - 1 3 6 9 10 10 10 10 10 10 2007 - - 3 7 7 8 8 8 8 8 2008 - 1 5 8 9 9 10 10 10 2009 - 1 6 8 9 9 9 9 2010 - 1 3 6 6 6 6 2011 - 2 6 9 11 10 2012 - 2 3 9 9 2013 1 2 5 6 2014 - 3 9 2015 - 1 2016 1

Totals:Latest 3 1 6 17 24 26 25 25 27 28 26 22 15 22 21 Latest 5 2 10 26 38 44 42 43 47 42 34 40 34 31 32 Latest 10 2 14 48 69 77 83 80 79 76 78 78 74 71 69

All 2 38 101 165 184 181 176 169 157 143 134 123 114 108 Cumulative 2,449 2,447 2,409 2,308 2,143 1,959 1,778 1,602 1,433 1,276 1,133 999 876 762

II. Average Incremental Payments Per Open Accepted Claim - 2016 Cost Level (a

1989 257,542 146,706 160,608 80,064 62,209 73,631 101,463 56,745 68,762 289,842 51,4161990 182,393 116,658 11,418 61,027 38,095 29,414 16,316 21,436 13,538 13,408 19,060 26,1411991 3,043 312,753 18,007 140,416 107,453 45,489 30,899 15,957 12,301 35,701 32,092 44,371 38,3691992 8,301 84,584 77,362 101,618 46,769 37,737 29,876 27,656 22,627 26,899 30,626 41,893 38,1651993 1,235 62,010 91,591 73,796 108,396 90,802 98,216 93,066 95,155 98,385 85,901 76,729 97,6261994 137,049 380,191 133,710 110,796 59,033 144,506 55,266 71,605 61,770 18,248 73,608 160,757 20,3781995 59,009 140,716 92,930 17,029 22,310 38,197 23,657 50,964 56,871 175,864 65,521 88,6911996 2,956 287,287 75,164 144,587 62,237 148,517 96,421 58,268 66,582 69,517 57,206 68,555 59,6381997 16,886 109,347 63,300 54,619 68,762 97,976 56,880 43,824 45,534 31,317 54,349 72,220 81,1801998 11,274 138,922 115,186 84,078 58,802 41,930 127,669 56,837 69,170 52,150 71,700 73,583 83,4041999 229,609 203,121 135,440 105,914 96,721 73,548 60,354 113,458 160,793 108,724 94,424 116,936 125,1312000 213,760 162,702 136,968 120,697 71,202 50,226 34,020 42,102 37,659 33,368 64,951 50,766 48,8602001 490,062 409,284 280,565 126,317 264,427 141,333 85,802 65,255 80,201 84,398 94,156 119,8902002 78,043 141,058 81,673 66,298 79,331 51,039 105,893 68,357 69,024 60,444 73,300 91,048 76,5462003 64,546 45,954 127,372 213,556 64,256 61,564 97,644 96,215 87,800 137,800 149,8842004 4,720 148,275 252,579 141,256 67,160 101,114 83,700 79,017 40,347 67,835 68,865 64,7102005 29 5,732 131,875 92,634 61,625 124,554 76,879 69,770 62,724 67,199 65,2002006 2,306 114,224 71,205 113,350 77,828 187,195 84,472 71,910 61,690 62,1022007 177,536 130,711 159,990 109,683 134,726 117,599 110,915 116,3632008 6,179 81,768 81,893 76,807 42,842 38,990 59,130 64,9542009 353,003 70,391 134,218 106,440 60,585 62,730 88,3062010 123,891 321,282 31,013 107,874 39,525 27,1912011 9,121 34,217 113,389 47,056 80,1992012 11,384 81,615 84,003 79,1462013 67,491 158,058 173,7962014 55,828 89,5982015 6092016

Averages:Latest 3 50,513 108,324 117,471 72,199 63,376 44,705 86,180 80,570 78,831 65,027 70,942 91,437 95,279Latest 5 30 34,408 115,795 107,345 80,145 67,796 94,590 83,837 78,071 74,831 65,648 73,565 85,228 93,623Latest 10 30 69,027 98,870 112,425 94,749 72,183 103,531 87,031 76,802 77,612 61,980 70,965 81,776 82,516

All 30 79,895 129,018 114,654 94,685 75,999 85,944 76,641 63,633 67,633 57,302 68,378 86,000 72,521Cumulative 82,637 82,705 82,749 80,725 78,112 76,556 76,612 75,587 75,463 76,918 78,090 80,879 82,634 82,130

Selected 69,027 98,870 112,425 94,749 72,183 103,531 87,031 76,802 77,612 61,980 70,965 81,776 82,130

Note (a): Ratio of Item II of Appendix E, Exhibit IV, Sheets 2a and 2b, and Item I shown above.


Sheet 1bSelected Average Incremental Payments Per Open Accepted Claim - 2016 Cost Level

Year ofBirth 171 183 195 207 219 231 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

I. Accepted Reported Claim Counts - (Open Accepted Claims)

1989 5 5 5 5 5 5 5 5 5 5 5 5 5 5 1990 7 7 6 5 4 4 4 4 4 4 4 3 3 1991 4 4 4 4 4 4 4 4 4 4 4 4 1992 11 10 10 10 9 9 9 9 9 9 9 1993 10 9 8 8 8 8 8 8 8 8 1994 4 4 4 4 4 4 4 4 4 1995 5 5 5 5 5 5 5 5 1996 6 6 6 6 6 6 6 1997 9 9 9 8 8 8 1998 13 13 13 13 13 1999 6 5 4 4 2000 5 5 5 2001 4 4 2002 14 20032004200520062007200820092010201120122013201420152016

Totals:Latest 3 23 14 22 25 27 19 15 17 21 21 17 Latest 5 42 36 37 36 36 31 32 30 29 Latest 10 76 70 68 67

All 103 86 79 72 66 53 45 39 34 30 22 12 8 5 Cumulative 654 551 465 386 314 248 195 150 111 77 47 25 13 5

II. Average Incremental Payments Per Open Accepted Claim - 2016 Cost Level (a

1989 110,314 83,551 95,544 103,220 89,739 77,381 47,165 59,515 57,215 92,844 86,573 118,093 111,472 128,0121990 45,035 49,681 63,178 69,290 37,991 31,242 28,503 37,191 31,017 37,814 61,523 103,975 67,2741991 36,696 43,935 43,272 89,772 153,124 133,890 135,157 105,485 242,160 122,287 139,654 125,2831992 36,337 37,968 43,733 48,769 58,072 80,582 72,339 61,714 98,648 100,326 92,9901993 102,425 86,217 95,724 87,593 102,862 93,702 106,249 130,216 121,459 107,6311994 22,957 46,844 39,077 44,934 36,601 36,239 57,673 66,852 62,6511995 99,306 26,067 279,715 66,844 73,430 125,594 130,399 123,8501996 66,525 78,127 78,680 54,613 65,599 65,241 65,9881997 70,614 71,990 111,839 76,417 67,204 73,4841998 83,240 80,497 107,300 98,269 97,7571999 91,743 133,306 165,460 124,6322000 65,337 63,528 54,1392001 114,100 134,6672002 81,09020032004200520062007200820092010201120122013201420152016

Averages:Latest 3 83,406 108,774 105,793 95,495 81,558 84,594 85,241 113,434 100,481 107,292 96,566Latest 5 84,546 89,367 102,867 84,702 75,434 80,705 86,864 96,858 110,442Latest 10 81,555 73,704 99,076 76,462

All 73,898 70,937 96,126 78,320 79,914 80,652 81,558 85,951 102,615 95,620 94,295 116,960 94,898 128,012Cumulative 83,717 85,552 88,256 86,645 88,554 90,853 93,625 97,246 101,214 100,596 103,771 112,111 107,634 128,012

Selected 83,717 85,552 88,256 86,645 88,554 90,853 93,625 97,246 101,214 100,596 103,771 112,111 105,000 110,000

Note (a): Ratio of Item II of Appendix E, Exhibit IV, Sheets 2a and 2b, and Item I shown above.


Sheet 2a2016 Level Incremental Payments

Year ofBirth 3 15 27 39 51 63 75 87 99 111 123 135 147 159

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

I. Adjustment Factors to 2016 Level (a)

1989 1.504 1.478 1.454 1.433 1.411 1.390 1.373 1.359 1.345 1.333 1.321 1.308 1.295 1.281 1990 1.478 1.454 1.433 1.411 1.390 1.373 1.359 1.345 1.333 1.321 1.308 1.295 1.281 1.267 1991 1.454 1.433 1.411 1.390 1.373 1.359 1.345 1.333 1.321 1.308 1.295 1.281 1.267 1.253 1992 1.433 1.411 1.390 1.373 1.359 1.345 1.333 1.321 1.308 1.295 1.281 1.267 1.253 1.235 1993 1.411 1.390 1.373 1.359 1.345 1.333 1.321 1.308 1.295 1.281 1.267 1.253 1.235 1.220 1994 1.390 1.373 1.359 1.345 1.333 1.321 1.308 1.295 1.281 1.267 1.253 1.235 1.220 1.207 1995 1.373 1.359 1.345 1.333 1.321 1.308 1.295 1.281 1.267 1.253 1.235 1.220 1.207 1.193 1996 1.359 1.345 1.333 1.321 1.308 1.295 1.281 1.267 1.253 1.235 1.220 1.207 1.193 1.085 1997 1.345 1.333 1.321 1.308 1.295 1.281 1.267 1.253 1.235 1.220 1.207 1.193 1.085 1.040 1998 1.333 1.321 1.308 1.295 1.281 1.267 1.253 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1999 1.321 1.308 1.295 1.281 1.267 1.253 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1.022 2000 1.308 1.295 1.281 1.267 1.253 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 2001 1.295 1.281 1.267 1.253 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 2002 1.281 1.267 1.253 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 2003 1.267 1.253 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 2004 1.253 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 2005 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 2006 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 2007 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 2008 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 2009 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 2010 1.040 1.032 1.022 1.015 1.009 1.004 1.000 2011 1.032 1.022 1.015 1.009 1.004 1.000 2012 1.022 1.015 1.009 1.004 1.000 2013 1.015 1.009 1.004 1.000 2014 1.009 1.004 1.000 2015 1.004 1.000 2016 1.000

II. Incremental Payments - 2016 Level (b)

1989 2,060,336 1,173,652 1,445,472 640,513 497,671 589,044 811,706 453,960 481,334 1,739,050 308,4971990 547,180 816,603 79,928 427,187 266,663 205,901 114,211 150,051 94,764 93,855 133,423 182,9841991 3,043 312,753 54,020 561,665 429,813 181,955 123,596 63,827 49,204 142,803 128,368 177,484 153,4751992 0 16,602 338,337 928,345 1,321,036 608,002 452,847 358,515 331,872 248,898 295,887 336,881 460,821 419,8141993 0 2,470 310,051 1,007,505 885,551 1,192,351 998,822 1,080,375 1,023,731 1,046,709 1,082,238 944,914 844,024 1,073,8811994 0 274,098 760,381 668,551 664,774 354,200 1,011,539 386,860 429,632 247,082 72,992 294,430 643,028 81,5101995 0 3,493 177,026 844,297 557,578 102,176 133,859 190,984 118,286 254,821 284,354 879,320 327,606 443,4531996 0 5,912 861,862 300,656 722,934 373,422 891,101 578,529 349,609 399,489 417,100 343,238 411,328 357,8301997 0 16,886 765,429 506,397 382,330 550,096 881,787 511,918 394,413 409,809 281,853 489,144 649,977 730,6231998 0 45,097 972,456 1,036,677 1,008,936 646,824 545,089 1,659,693 738,876 899,209 677,950 932,100 956,581 1,084,2501999 0 688,828 609,362 406,320 741,397 773,767 588,385 482,830 794,204 1,125,548 761,071 660,967 818,554 750,7842000 0 427,520 650,807 684,842 603,485 356,008 251,130 170,102 210,510 188,297 166,838 324,753 253,829 244,2992001 0 152,529 490,062 818,567 561,130 505,269 1,057,709 565,332 343,208 261,018 320,802 337,592 376,623 479,5592002 0 156,086 705,289 898,402 861,876 1,031,302 765,589 1,588,391 1,025,361 1,035,360 906,662 1,099,500 1,274,671 1,071,6452003 0 272,331 339,215 129,093 137,862 382,117 640,667 192,767 184,693 292,931 288,646 263,401 413,401 449,6532004 0 4,720 444,825 757,738 565,024 335,801 505,568 418,498 395,084 201,737 339,175 344,324 323,5482005 0 29 28,662 923,128 926,339 616,250 1,245,540 768,789 627,934 501,793 470,394 456,3992006 0 2,306 342,672 427,228 1,020,152 778,279 1,871,950 844,719 719,097 616,900 621,0242007 0 136,915 532,608 914,977 1,119,932 877,463 1,077,808 940,790 887,323 930,9032008 0 6,179 408,838 655,147 691,266 385,582 389,902 591,302 649,5422009 0 353,003 422,345 1,073,743 957,956 545,264 564,571 794,7572010 0 123,891 963,846 186,080 647,243 237,153 163,1452011 0 18,241 205,299 1,020,497 517,612 801,9882012 59 22,767 244,845 756,031 712,3132013 0 134,982 790,289 1,042,7742014 0 167,484 806,3792015 0 6092016 0

Totals:Latest 3 0 303,075 1,841,513 2,819,302 1,877,168 1,584,406 1,117,617 2,326,849 2,255,961 2,049,596 1,430,593 1,064,124 2,011,620 2,000,856Latest 5 59 344,084 3,010,658 4,079,125 3,526,390 2,847,451 4,067,376 3,940,358 3,278,980 2,544,264 2,625,901 2,501,216 2,642,072 2,995,940Latest 10 59 966,378 4,745,783 7,757,343 7,295,699 5,991,199 8,282,449 6,875,447 5,836,955 6,053,698 4,834,414 5,251,416 5,806,118 5,693,605

All 59 3,036,022 13,030,818 18,917,955 17,421,970 13,755,787 15,126,140 12,952,319 9,990,457 9,671,467 7,678,513 8,410,519 9,803,948 7,832,256Cumulative 202,379,155 202,379,096 199,343,074 186,312,256 167,394,301 149,972,330 136,216,543 121,090,404 108,138,085 98,147,628 88,476,161 80,797,648 72,387,129 62,583,181

Notes: (a) See Appendix E, Exhibit II, Sheet 3, Column (3). (b) The product of Item I shown above and Item II of Appendix E, Exhibit IV, Sheets 3a and 3b.


Sheet 2b2016 Level Incremental Payments

Year ofBirth 171 183 195 207 219 231 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

I. Adjustment Factors to 2016 Level (a)

1989 1.267 1.253 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 1990 1.253 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 1991 1.235 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 1992 1.220 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 1993 1.207 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 1994 1.193 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 1995 1.085 1.040 1.032 1.022 1.015 1.009 1.004 1.000 1996 1.040 1.032 1.022 1.015 1.009 1.004 1.000 1997 1.032 1.022 1.015 1.009 1.004 1.000 1998 1.022 1.015 1.009 1.004 1.000 1999 1.015 1.009 1.004 1.000 2000 1.009 1.004 1.000 2001 1.004 1.000 2002 1.000 20032004200520062007200820092010201120122013201420152016

II. Incremental Payments - 2016 Level (b)

1989 551,570 417,756 477,722 516,102 448,697 386,905 235,824 297,573 286,077 464,218 432,863 590,465 557,361 640,0611990 315,244 347,768 379,071 346,450 151,965 124,967 114,011 148,765 124,067 151,258 246,092 311,926 201,8221991 146,786 175,738 173,089 359,088 612,495 535,562 540,627 421,942 968,640 489,148 558,615 501,1321992 399,706 379,681 437,335 487,691 522,648 725,235 651,050 555,426 887,833 902,936 836,9121993 1,024,251 775,957 765,790 700,743 822,898 749,620 849,993 1,041,729 971,672 861,0471994 91,829 187,378 156,307 179,734 146,402 144,956 230,692 267,406 250,6041995 496,528 130,337 1,398,576 334,220 367,149 627,972 651,993 619,2501996 399,151 468,760 472,082 327,679 393,591 391,448 395,9291997 635,523 647,907 1,006,553 611,333 537,631 587,8731998 1,082,124 1,046,455 1,394,906 1,277,503 1,270,8371999 550,460 666,529 661,840 498,5282000 326,684 317,639 270,6942001 456,399 538,6682002 1,135,25420032004200520062007200820092010201120122013201420152016

Totals:Latest 3 1,918,337 1,522,836 2,327,440 2,387,364 2,202,058 1,607,292 1,278,614 1,928,385 2,110,109 2,253,131 1,641,618Latest 5 3,550,921 3,217,197 3,806,075 3,049,263 2,715,610 2,501,868 2,779,657 2,905,753 3,202,816

Latest 10 6,198,203 5,159,310 6,737,171 5,122,970All 7,611,509 6,100,572 7,593,964 5,639,072 5,274,313 4,274,537 3,670,119 3,352,092 3,488,894 2,868,607 2,074,482 1,403,522 759,183 640,061

Cumulative 54,750,925 47,139,416 41,038,845 33,444,880 27,805,808 22,531,496 18,256,959 14,586,840 11,234,748 7,745,854 4,877,247 2,802,766 1,399,244 640,061

Notes: (a) See Appendix E, Exhibit II, Sheet 3, Column (3). (b) The product of Item I shown above and Item II of Appendix E, Exhibit IV, Sheets 3a and 3b.


Sheet 3aActual Incremental Payments

Year ofBirth 3 15 27 39 51 63 75 87 99 111 123 135 147 159

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

I. Paid Loss & ALAE - Actual (a)

1989 1,438,241 2,269,797 3,309,706 3,776,146 4,142,273 4,580,148 5,189,047 5,532,763 5,900,736 7,243,428 7,484,2071990 381,965 960,545 1,018,047 1,329,137 1,525,316 1,678,376 1,764,051 1,877,662 1,950,108 2,022,572 2,126,707 2,271,1801991 2,124 223,716 262,579 671,599 987,804 1,123,063 1,215,778 1,264,105 1,301,721 1,411,977 1,512,167 1,652,298 1,774,7971992 0 11,763 255,171 931,218 1,903,079 2,355,047 2,694,749 2,966,199 3,219,910 3,412,080 3,643,017 3,908,998 4,276,811 4,616,6301993 0 1,777 227,565 968,767 1,627,055 2,521,493 3,277,752 4,103,683 4,894,089 5,711,035 6,565,506 7,319,707 8,002,903 8,883,4771994 0 199,606 759,004 1,255,982 1,754,660 2,022,843 2,796,150 3,094,838 3,430,161 3,625,242 3,683,502 3,921,829 4,449,107 4,516,6601995 0 2,570 134,165 767,512 1,189,683 1,267,795 1,371,145 1,520,206 1,613,598 1,816,988 2,047,159 2,768,195 3,039,705 3,411,5671996 0 4,395 650,918 878,560 1,431,233 1,719,546 2,415,041 2,871,813 3,150,860 3,474,227 3,816,246 4,100,711 4,445,634 4,775,5431997 0 12,667 592,212 979,345 1,274,536 1,703,880 2,400,087 2,808,684 3,127,942 3,463,982 3,697,573 4,107,749 4,707,010 5,409,3361998 0 34,145 777,574 1,577,975 2,365,439 2,876,133 3,311,206 4,654,647 5,260,520 6,005,757 6,574,258 7,433,628 8,353,161 9,404,1301999 0 526,599 997,077 1,314,206 1,899,569 2,517,166 2,993,435 3,389,352 4,047,564 4,991,403 5,693,089 6,328,457 7,121,886 7,856,4902000 0 330,081 838,029 1,378,740 1,860,423 2,148,594 2,354,519 2,495,494 2,672,019 2,845,624 3,006,000 3,320,785 3,569,143 3,809,9142001 0 119,047 505,971 1,159,326 1,613,533 2,027,850 2,904,447 3,378,511 3,694,939 3,945,848 4,256,804 4,587,119 4,958,302 5,433,6002002 0 123,236 686,176 1,413,389 2,120,121 2,974,832 3,616,824 5,081,277 6,066,926 7,070,507 7,957,628 9,041,249 10,304,592 11,372,1672003 0 217,366 491,944 597,799 712,055 1,032,483 1,623,160 1,808,461 1,987,485 2,274,103 2,558,581 2,819,641 3,231,471 3,681,1242004 0 3,821 368,574 996,564 1,470,370 1,779,969 2,265,957 2,671,609 3,058,178 3,257,001 3,593,162 3,936,179 4,259,7272005 0 24 23,778 797,876 1,651,935 2,244,318 3,451,627 4,203,846 4,822,711 5,320,045 5,788,652 6,245,0512006 0 1,911 289,262 683,154 1,663,796 2,418,186 4,249,792 5,082,311 5,795,018 6,409,575 7,030,5992007 0 114,811 605,861 1,485,401 2,570,958 3,429,510 4,491,751 5,424,181 6,308,133 7,239,0362008 0 5,697 398,701 1,033,739 1,710,106 2,090,120 2,476,557 3,065,613 3,715,1552009 0 339,332 748,713 1,799,315 2,743,435 3,283,854 3,846,280 4,641,0372010 0 120,088 1,063,161 1,246,554 1,888,045 2,124,297 2,287,4412011 0 17,848 220,183 1,231,610 1,747,256 2,549,2452012 58 22,496 265,165 1,018,325 1,730,6382013 0 133,782 921,070 1,963,8442014 0 166,848 973,2272015 0 6092016 0

II. Actual Incremental Payments

1989 1,438,241 831,556 1,039,909 466,440 366,127 437,875 608,899 343,716 367,973 1,342,692 240,7791990 381,965 578,580 57,502 311,090 196,179 153,060 85,675 113,611 72,446 72,464 104,135 144,4731991 2,124 221,592 38,863 409,020 316,205 135,259 92,715 48,327 37,616 110,256 100,190 140,131 122,4991992 0 11,763 243,408 676,047 971,861 451,968 339,702 271,450 253,711 192,170 230,937 265,981 367,813 339,8191993 0 1,777 225,788 741,202 658,288 894,438 756,259 825,931 790,406 816,946 854,471 754,201 683,196 880,5741994 0 199,606 559,398 496,978 498,678 268,183 773,307 298,688 335,323 195,081 58,260 238,327 527,278 67,5531995 0 2,570 131,595 633,347 422,171 78,112 103,350 149,061 93,392 203,390 230,171 721,036 271,510 371,8621996 0 4,395 646,523 227,642 552,673 288,313 695,495 456,772 279,047 323,367 342,019 284,465 344,923 329,9091997 0 12,667 579,545 387,133 295,191 429,344 696,207 408,597 319,258 336,040 233,591 410,176 599,261 702,3261998 0 34,145 743,429 800,401 787,464 510,694 435,073 1,343,441 605,873 745,237 568,501 859,370 919,533 1,050,9691999 0 526,599 470,478 317,129 585,363 617,597 476,269 395,917 658,212 943,839 701,686 635,368 793,429 734,6032000 0 330,081 507,948 540,711 481,683 288,171 205,925 140,975 176,525 173,605 160,376 314,785 248,358 240,7712001 0 119,047 386,924 653,355 454,207 414,317 876,597 474,064 316,428 250,909 310,956 330,316 371,183 475,2972002 0 123,236 562,940 727,213 706,732 854,711 641,992 1,464,453 985,649 1,003,581 887,121 1,083,620 1,263,344 1,067,5742003 0 217,366 274,578 105,855 114,256 320,428 590,677 185,301 179,024 286,618 284,477 261,060 411,831 449,6532004 0 3,821 364,753 627,990 473,806 309,599 485,988 405,652 386,569 198,823 336,161 343,017 323,5482005 0 24 23,754 774,098 854,059 592,383 1,207,309 752,220 618,865 497,334 468,607 456,3992006 0 1,911 287,351 393,892 980,642 754,390 1,831,606 832,519 712,706 614,557 621,0242007 0 114,811 491,050 879,540 1,085,556 858,552 1,062,241 932,429 883,952 930,9032008 0 5,697 393,004 635,038 676,367 380,013 386,437 589,056 649,5422009 0 339,332 409,381 1,050,602 944,120 540,419 562,426 794,7572010 0 120,088 943,073 183,392 641,491 236,252 163,1452011 0 17,848 202,334 1,011,428 515,646 801,9882012 58 22,439 242,669 753,160 712,3132013 0 133,782 787,288 1,042,7742014 0 166,848 806,3792015 0 6092016 0

Totals:Latest 3 0 301,240 1,836,336 2,807,361 1,869,450 1,578,659 1,112,008 2,316,243 2,246,201 2,042,794 1,425,792 1,060,475 1,998,723 1,992,524Latest 5 58 341,527 2,981,743 4,041,355 3,489,938 2,817,225 4,005,855 3,900,982 3,251,635 2,528,235 2,597,391 2,474,412 2,618,264 2,967,898Latest 10 58 923,366 4,586,283 7,351,914 6,998,258 5,648,736 7,808,418 6,571,428 5,567,473 5,645,406 4,572,500 4,978,575 5,546,920 5,490,518

All 58 2,512,587 10,887,147 15,714,611 14,710,647 11,557,077 13,087,883 11,333,187 8,816,360 8,472,526 6,814,776 7,498,747 8,712,165 7,218,662

Note: (a) See Exhibit IX, Sheets 4a, 4b and 4c.


Sheet 3bActual Incremental Payments

Year ofBirth 171 183 195 207 219 231 243 255 267 279 291 303 315 327

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------

I. Paid Loss & ALAE - Actual (a)

1989 7,919,694 8,253,134 8,639,827 9,063,027 9,434,893 9,759,336 9,976,759 10,262,808 10,540,104 10,994,317 11,420,928 12,006,146 12,561,390 13,201,4511990 2,522,798 2,804,299 3,115,134 3,402,261 3,529,693 3,644,909 3,754,504 3,898,703 4,020,097 4,169,170 4,413,075 4,723,816 4,925,6371991 1,893,613 2,037,717 2,181,168 2,482,285 3,046,988 3,561,808 4,085,841 4,498,689 5,453,340 5,938,141 6,494,634 6,995,7661992 4,944,386 5,259,054 5,625,785 6,075,423 6,577,829 7,280,804 7,917,823 8,465,227 9,345,170 10,244,676 11,081,5881993 9,732,345 10,383,031 11,089,068 11,762,672 12,560,312 13,293,776 14,131,492 15,163,964 16,131,945 16,992,9921994 4,593,664 4,766,421 4,916,674 5,090,892 5,234,139 5,377,001 5,605,643 5,872,034 6,122,6381995 3,869,352 3,994,641 5,350,289 5,677,305 6,039,151 6,661,543 7,311,060 7,930,3091996 5,159,235 5,613,606 6,075,514 6,398,460 6,788,554 7,178,514 7,574,4431997 6,025,352 6,659,295 7,651,311 8,257,212 8,792,800 9,380,6731998 10,462,932 11,494,273 12,876,783 14,149,433 15,420,2701999 8,399,000 9,059,606 9,718,932 10,217,4602000 4,133,695 4,450,127 4,720,8212001 5,888,265 6,426,9332002 12,507,42020032004200520062007200820092010201120122013201420152016

II. Actual Incremental Payments

1989 435,487 333,440 386,693 423,200 371,866 324,443 217,423 286,049 277,296 454,213 426,612 585,218 555,244 640,0611990 251,618 281,501 310,835 287,127 127,432 115,216 109,595 144,199 121,394 149,073 243,905 310,741 201,8221991 118,816 144,104 143,451 301,117 564,703 514,820 524,033 412,848 954,650 484,801 556,493 501,1321992 327,756 314,668 366,731 449,638 502,406 702,974 637,019 547,404 879,943 899,506 836,9121993 848,868 650,686 706,037 673,604 797,640 733,464 837,717 1,032,472 967,981 861,0471994 77,004 172,757 150,253 174,218 143,247 142,862 228,642 266,391 250,6041995 457,785 125,289 1,355,648 327,016 361,846 622,391 649,517 619,2501996 383,692 454,372 461,908 322,946 390,093 389,961 395,9291997 616,016 633,943 992,016 605,901 535,588 587,8731998 1,058,802 1,031,341 1,382,510 1,272,650 1,270,8371999 542,510 660,606 659,326 498,5282000 323,781 316,432 270,6942001 454,666 538,6682002 1,135,25420032004200520062007200820092010201120122013201420152016

Totals:Latest 3 1,913,700 1,515,706 2,312,530 2,377,079 2,196,518 1,600,225 1,274,087 1,918,112 2,098,528 2,245,354 1,637,310Latest 5 3,515,012 3,180,990 3,766,453 3,027,042 2,701,612 2,476,551 2,748,823 2,878,365 3,174,572

Latest 10 5,898,377 4,898,762 6,488,573 4,912,745All 7,032,054 5,657,807 7,186,101 5,335,945 5,065,659 4,134,004 3,599,874 3,308,612 3,451,868 2,848,641 2,063,921 1,397,090 757,066 640,061

Note: (a) See Exhibit IX, Sheets 4a, 4b and 4c.

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix EEvaluated As of March 31, 2016 Exhibit V

Sheet 1Adjusted q(x) (a)

Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted AdjustedTime q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x)(Year) BY 1989 BY 1990 BY 1991 BY 1992 BY 1993 BY 1994 BY 1995 BY 1996 BY 1997 BY 1998 BY 1999 BY 2000 BY 2001 BY 2002 BY 2003 BY 2004 BY 2005 BY 2006 BY 2007 BY 2008 BY 2009 BY 2010 BY 2011 BY 2012 BY 2013 BY 2014 BY 2015 BY 2016

----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- -----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27) (28) (29)

0 0.0239 0.0299 0.0105 0.0104 0.0117 0.0078 0.0095 0.0210 0.0081 0.0113 0.0190 0.0228 0.0105 0.0125 0.0249 0.0106 0.0129 0.0102 0.0171 0.0082 0.0107 0.0061 0.0106 0.0108 0.0251 0.0377 0.1703 0.1703 1 0.0244 0.0305 0.0107 0.0106 0.0120 0.0079 0.0097 0.0214 0.0082 0.0115 0.0194 0.0233 0.0108 0.0127 0.0254 0.0108 0.0131 0.0104 0.0174 0.0083 0.0108 0.0062 0.0107 0.0109 0.0139 0.0280 0.0231 0.0231 2 0.0249 0.0311 0.0108 0.0108 0.0122 0.0081 0.0099 0.0218 0.0084 0.0117 0.0198 0.0238 0.0110 0.0130 0.0260 0.0110 0.0133 0.0105 0.0176 0.0084 0.0109 0.0063 0.0109 0.0110 0.0140 0.0155 0.0171 0.0171 3 0.0254 0.0317 0.0111 0.0110 0.0124 0.0082 0.0101 0.0222 0.0086 0.0119 0.0202 0.0242 0.0112 0.0133 0.0266 0.0113 0.0136 0.0107 0.0179 0.0085 0.0111 0.0063 0.0110 0.0112 0.0142 0.0156 0.0095 0.0095 4 0.0260 0.0324 0.0113 0.0112 0.0126 0.0084 0.0103 0.0226 0.0087 0.0122 0.0205 0.0247 0.0114 0.0136 0.0271 0.0115 0.0139 0.0109 0.0182 0.0086 0.0113 0.0064 0.0112 0.0113 0.0144 0.0158 0.0095 0.0095 5 0.0266 0.0331 0.0115 0.0114 0.0129 0.0085 0.0104 0.0230 0.0089 0.0124 0.0209 0.0251 0.0116 0.0138 0.0277 0.0118 0.0142 0.0112 0.0186 0.0088 0.0114 0.0065 0.0113 0.0115 0.0146 0.0160 0.0097 0.0097 6 0.0271 0.0339 0.0118 0.0117 0.0131 0.0087 0.0106 0.0234 0.0090 0.0126 0.0213 0.0256 0.0119 0.0141 0.0283 0.0120 0.0146 0.0114 0.0190 0.0090 0.0116 0.0066 0.0115 0.0116 0.0148 0.0162 0.0098 0.0098 7 0.0278 0.0346 0.0121 0.0119 0.0134 0.0089 0.0108 0.0238 0.0092 0.0128 0.0217 0.0261 0.0121 0.0144 0.0288 0.0123 0.0149 0.0117 0.0194 0.0092 0.0119 0.0067 0.0117 0.0118 0.0150 0.0164 0.0099 0.0099 8 0.0284 0.0354 0.0123 0.0122 0.0137 0.0091 0.0111 0.0243 0.0094 0.0131 0.0221 0.0265 0.0123 0.0146 0.0293 0.0125 0.0151 0.0119 0.0199 0.0094 0.0121 0.0069 0.0119 0.0120 0.0152 0.0167 0.0101 0.0101 9 0.0291 0.0362 0.0126 0.0125 0.0140 0.0093 0.0113 0.0248 0.0096 0.0133 0.0225 0.0270 0.0125 0.0149 0.0298 0.0127 0.0154 0.0122 0.0203 0.0096 0.0124 0.0070 0.0121 0.0122 0.0154 0.0169 0.0102 0.0102 10 0.0298 0.0371 0.0129 0.0127 0.0143 0.0095 0.0116 0.0253 0.0097 0.0136 0.0229 0.0275 0.0128 0.0152 0.0304 0.0130 0.0157 0.0124 0.0207 0.0098 0.0127 0.0072 0.0124 0.0125 0.0157 0.0172 0.0103 0.0103 11 0.0305 0.0380 0.0132 0.0130 0.0147 0.0097 0.0118 0.0259 0.0100 0.0138 0.0233 0.0280 0.0130 0.0154 0.0309 0.0132 0.0160 0.0126 0.0210 0.0100 0.0129 0.0073 0.0127 0.0127 0.0160 0.0175 0.0105 0.0105 12 0.0313 0.0389 0.0135 0.0134 0.0150 0.0099 0.0121 0.0265 0.0102 0.0141 0.0238 0.0286 0.0132 0.0157 0.0315 0.0135 0.0163 0.0128 0.0214 0.0102 0.0132 0.0075 0.0130 0.0130 0.0163 0.0178 0.0107 0.0107 13 0.0321 0.0399 0.0139 0.0137 0.0154 0.0101 0.0124 0.0271 0.0104 0.0145 0.0243 0.0292 0.0135 0.0160 0.0321 0.0137 0.0166 0.0131 0.0218 0.0104 0.0134 0.0076 0.0132 0.0133 0.0167 0.0182 0.0109 0.0109 14 0.0329 0.0409 0.0142 0.0140 0.0157 0.0104 0.0126 0.0277 0.0106 0.0148 0.0249 0.0298 0.0138 0.0163 0.0327 0.0139 0.0169 0.0133 0.0222 0.0106 0.0137 0.0078 0.0135 0.0136 0.0171 0.0186 0.0111 0.0111 15 0.0338 0.0420 0.0146 0.0144 0.0161 0.0106 0.0129 0.0283 0.0109 0.0151 0.0254 0.0305 0.0141 0.0167 0.0333 0.0142 0.0172 0.0135 0.0226 0.0107 0.0139 0.0079 0.0137 0.0138 0.0174 0.0190 0.0114 0.0114 16 0.0348 0.0432 0.0149 0.0147 0.0165 0.0109 0.0133 0.0290 0.0111 0.0155 0.0260 0.0311 0.0144 0.0170 0.0340 0.0145 0.0175 0.0138 0.0230 0.0109 0.0142 0.0081 0.0140 0.0141 0.0178 0.0194 0.0116 0.0116 17 0.0358 0.0444 0.0154 0.0151 0.0169 0.0111 0.0136 0.0297 0.0114 0.0158 0.0266 0.0318 0.0147 0.0174 0.0347 0.0148 0.0179 0.0141 0.0235 0.0111 0.0145 0.0082 0.0142 0.0144 0.0181 0.0198 0.0119 0.0119 18 0.0369 0.0457 0.0158 0.0155 0.0174 0.0114 0.0139 0.0304 0.0117 0.0162 0.0272 0.0326 0.0150 0.0178 0.0355 0.0151 0.0182 0.0143 0.0239 0.0113 0.0147 0.0084 0.0145 0.0146 0.0184 0.0202 0.0121 0.0121 19 0.0380 0.0471 0.0162 0.0160 0.0179 0.0117 0.0143 0.0312 0.0120 0.0166 0.0279 0.0333 0.0154 0.0182 0.0363 0.0154 0.0186 0.0146 0.0244 0.0115 0.0150 0.0085 0.0148 0.0149 0.0188 0.0205 0.0123 0.0123 20 0.0393 0.0485 0.0167 0.0164 0.0184 0.0121 0.0146 0.0320 0.0123 0.0170 0.0285 0.0341 0.0157 0.0186 0.0371 0.0158 0.0190 0.0149 0.0249 0.0118 0.0153 0.0087 0.0150 0.0152 0.0191 0.0209 0.0126 0.0126 21 0.0406 0.0501 0.0173 0.0169 0.0189 0.0124 0.0150 0.0328 0.0126 0.0174 0.0292 0.0349 0.0161 0.0190 0.0380 0.0161 0.0195 0.0153 0.0254 0.0120 0.0156 0.0088 0.0153 0.0154 0.0195 0.0213 0.0128 0.0128 22 0.0420 0.0518 0.0178 0.0175 0.0195 0.0128 0.0155 0.0337 0.0129 0.0179 0.0300 0.0358 0.0165 0.0195 0.0388 0.0165 0.0199 0.0156 0.0260 0.0123 0.0159 0.0090 0.0156 0.0157 0.0198 0.0217 0.0130 0.0130 23 0.0436 0.0537 0.0184 0.0180 0.0201 0.0131 0.0159 0.0347 0.0133 0.0183 0.0307 0.0367 0.0169 0.0200 0.0398 0.0169 0.0204 0.0160 0.0265 0.0125 0.0162 0.0092 0.0159 0.0160 0.0202 0.0221 0.0133 0.0133 24 0.0452 0.0556 0.0191 0.0187 0.0208 0.0136 0.0164 0.0357 0.0136 0.0188 0.0315 0.0376 0.0173 0.0205 0.0407 0.0173 0.0208 0.0163 0.0271 0.0128 0.0166 0.0094 0.0162 0.0163 0.0206 0.0225 0.0135 0.0135 25 0.0470 0.0577 0.0198 0.0193 0.0215 0.0140 0.0169 0.0368 0.0140 0.0194 0.0324 0.0386 0.0178 0.0210 0.0417 0.0177 0.0213 0.0167 0.0278 0.0131 0.0170 0.0096 0.0166 0.0167 0.0210 0.0229 0.0138 0.0138 26 0.0488 0.0599 0.0205 0.0200 0.0222 0.0145 0.0175 0.0380 0.0145 0.0199 0.0333 0.0397 0.0182 0.0215 0.0428 0.0181 0.0218 0.0171 0.0284 0.0134 0.0173 0.0098 0.0169 0.0170 0.0214 0.0234 0.0140 0.0140 27 0.0508 0.0623 0.0213 0.0208 0.0230 0.0150 0.0181 0.0392 0.0149 0.0205 0.0343 0.0408 0.0187 0.0221 0.0439 0.0186 0.0224 0.0175 0.0291 0.0137 0.0177 0.0100 0.0173 0.0174 0.0219 0.0238 0.0143 0.0143 28 0.0529 0.0648 0.0222 0.0216 0.0239 0.0155 0.0187 0.0405 0.0154 0.0212 0.0353 0.0420 0.0192 0.0227 0.0450 0.0191 0.0229 0.0179 0.0298 0.0141 0.0181 0.0103 0.0177 0.0178 0.0224 0.0244 0.0146 0.0146 29 0.0551 0.0675 0.0231 0.0224 0.0248 0.0161 0.0194 0.0420 0.0159 0.0219 0.0365 0.0433 0.0198 0.0233 0.0462 0.0196 0.0235 0.0184 0.0305 0.0144 0.0186 0.0105 0.0181 0.0182 0.0229 0.0249 0.0149 0.0149 30 0.0575 0.0703 0.0240 0.0233 0.0258 0.0167 0.0201 0.0435 0.0165 0.0226 0.0376 0.0446 0.0204 0.0240 0.0475 0.0201 0.0241 0.0189 0.0313 0.0147 0.0190 0.0108 0.0185 0.0186 0.0234 0.0255 0.0152 0.0152 31 0.0600 0.0734 0.0250 0.0243 0.0268 0.0174 0.0209 0.0451 0.0171 0.0234 0.0389 0.0461 0.0211 0.0247 0.0489 0.0207 0.0248 0.0194 0.0321 0.0151 0.0195 0.0110 0.0190 0.0190 0.0239 0.0260 0.0156 0.0156 32 0.0627 0.0766 0.0261 0.0253 0.0279 0.0181 0.0217 0.0469 0.0177 0.0243 0.0403 0.0476 0.0217 0.0255 0.0504 0.0213 0.0255 0.0199 0.0329 0.0155 0.0200 0.0113 0.0194 0.0195 0.0244 0.0266 0.0159 0.0159 33 0.0657 0.0801 0.0273 0.0264 0.0291 0.0188 0.0226 0.0487 0.0184 0.0252 0.0418 0.0493 0.0225 0.0263 0.0520 0.0219 0.0262 0.0204 0.0338 0.0159 0.0205 0.0116 0.0199 0.0200 0.0250 0.0272 0.0163 0.0163 34 0.0688 0.0838 0.0285 0.0276 0.0304 0.0196 0.0235 0.0507 0.0191 0.0261 0.0433 0.0511 0.0233 0.0272 0.0537 0.0226 0.0270 0.0210 0.0348 0.0163 0.0210 0.0119 0.0204 0.0205 0.0256 0.0279 0.0167 0.0167 35 0.0721 0.0877 0.0298 0.0288 0.0317 0.0205 0.0245 0.0527 0.0199 0.0272 0.0450 0.0530 0.0241 0.0282 0.0555 0.0233 0.0279 0.0217 0.0358 0.0168 0.0216 0.0122 0.0209 0.0210 0.0263 0.0286 0.0170 0.0170 36 0.0757 0.0920 0.0312 0.0301 0.0331 0.0214 0.0256 0.0550 0.0207 0.0283 0.0468 0.0551 0.0250 0.0292 0.0575 0.0241 0.0288 0.0224 0.0369 0.0173 0.0222 0.0125 0.0215 0.0215 0.0269 0.0293 0.0175 0.0175 37 0.0796 0.0966 0.0327 0.0316 0.0347 0.0224 0.0267 0.0574 0.0216 0.0294 0.0487 0.0573 0.0260 0.0303 0.0596 0.0250 0.0298 0.0231 0.0380 0.0178 0.0229 0.0129 0.0221 0.0221 0.0276 0.0300 0.0179 0.0179 38 0.0838 0.1016 0.0344 0.0331 0.0363 0.0234 0.0279 0.0599 0.0225 0.0307 0.0507 0.0596 0.0270 0.0315 0.0618 0.0259 0.0308 0.0239 0.0393 0.0184 0.0235 0.0132 0.0227 0.0227 0.0283 0.0308 0.0183 0.0183 39 0.0883 0.1069 0.0361 0.0348 0.0381 0.0245 0.0292 0.0626 0.0235 0.0320 0.0528 0.0620 0.0281 0.0327 0.0642 0.0269 0.0319 0.0247 0.0406 0.0190 0.0243 0.0136 0.0233 0.0233 0.0291 0.0316 0.0188 0.0188 40 0.0931 0.1127 0.0380 0.0365 0.0400 0.0257 0.0306 0.0655 0.0246 0.0334 0.0551 0.0646 0.0293 0.0340 0.0668 0.0279 0.0332 0.0256 0.0420 0.0196 0.0251 0.0141 0.0241 0.0240 0.0299 0.0324 0.0193 0.0193 41 0.0982 0.1188 0.0401 0.0385 0.0420 0.0270 0.0321 0.0686 0.0257 0.0349 0.0575 0.0674 0.0305 0.0354 0.0694 0.0290 0.0344 0.0266 0.0436 0.0203 0.0259 0.0145 0.0248 0.0247 0.0308 0.0333 0.0198 0.0198 42 0.1036 0.1253 0.0423 0.0405 0.0443 0.0284 0.0337 0.0719 0.0270 0.0365 0.0601 0.0704 0.0318 0.0369 0.0723 0.0302 0.0358 0.0276 0.0452 0.0211 0.0268 0.0150 0.0256 0.0255 0.0317 0.0343 0.0204 0.0204 43 0.1093 0.1321 0.0446 0.0428 0.0466 0.0299 0.0354 0.0755 0.0283 0.0383 0.0629 0.0736 0.0332 0.0385 0.0753 0.0314 0.0372 0.0287 0.0470 0.0219 0.0278 0.0155 0.0265 0.0263 0.0327 0.0354 0.0210 0.0210 44 0.1155 0.1394 0.0470 0.0451 0.0492 0.0315 0.0373 0.0794 0.0297 0.0401 0.0659 0.0770 0.0347 0.0402 0.0786 0.0327 0.0387 0.0299 0.0488 0.0227 0.0289 0.0161 0.0274 0.0272 0.0338 0.0365 0.0216 0.0216 45 0.1222 0.1473 0.0496 0.0476 0.0519 0.0332 0.0393 0.0836 0.0312 0.0421 0.0691 0.0806 0.0363 0.0420 0.0821 0.0342 0.0404 0.0311 0.0508 0.0236 0.0300 0.0167 0.0284 0.0282 0.0350 0.0377 0.0223 0.0223 46 0.1296 0.1560 0.0524 0.0502 0.0547 0.0350 0.0414 0.0881 0.0328 0.0443 0.0726 0.0846 0.0381 0.0440 0.0858 0.0357 0.0421 0.0324 0.0529 0.0245 0.0312 0.0174 0.0295 0.0292 0.0362 0.0389 0.0230 0.0230 47 0.1376 0.1654 0.0555 0.0530 0.0577 0.0369 0.0437 0.0929 0.0346 0.0466 0.0763 0.0888 0.0399 0.0461 0.0898 0.0373 0.0440 0.0338 0.0551 0.0255 0.0324 0.0181 0.0306 0.0303 0.0375 0.0403 0.0238 0.0238 48 0.1464 0.1756 0.0588 0.0561 0.0610 0.0389 0.0461 0.0980 0.0365 0.0491 0.0803 0.0933 0.0419 0.0483 0.0940 0.0390 0.0460 0.0353 0.0575 0.0266 0.0338 0.0188 0.0318 0.0315 0.0389 0.0418 0.0246 0.0246 49 0.1559 0.1868 0.0625 0.0595 0.0646 0.0411 0.0486 0.1033 0.0385 0.0518 0.0846 0.0982 0.0441 0.0507 0.0986 0.0409 0.0481 0.0369 0.0600 0.0278 0.0352 0.0195 0.0331 0.0327 0.0404 0.0434 0.0255 0.0255 50 0.1663 0.1990 0.0664 0.0632 0.0685 0.0436 0.0514 0.1090 0.0406 0.0547 0.0892 0.1035 0.0464 0.0533 0.1035 0.0429 0.0504 0.0386 0.0627 0.0290 0.0367 0.0204 0.0345 0.0340 0.0420 0.0450 0.0265 0.0265 51 0.1775 0.2122 0.0708 0.0672 0.0727 0.0462 0.0544 0.1152 0.0428 0.0576 0.0941 0.1092 0.0489 0.0561 0.1088 0.0450 0.0529 0.0404 0.0656 0.0303 0.0383 0.0213 0.0359 0.0354 0.0437 0.0468 0.0275 0.0275 52 0.1896 0.2265 0.0755 0.0716 0.0773 0.0490 0.0577 0.1220 0.0453 0.0608 0.0992 0.1152 0.0515 0.0592 0.1145 0.0473 0.0555 0.0424 0.0687 0.0317 0.0401 0.0222 0.0375 0.0369 0.0455 0.0487 0.0286 0.0286 53 0.2027 0.2419 0.0806 0.0764 0.0824 0.0522 0.0612 0.1293 0.0479 0.0643 0.1047 0.1214 0.0544 0.0624 0.1207 0.0498 0.0583 0.0445 0.0721 0.0332 0.0419 0.0232 0.0392 0.0385 0.0474 0.0507 0.0298 0.0298 54 0.2170 0.2587 0.0861 0.0815 0.0879 0.0556 0.0651 0.1373 0.0508 0.0680 0.1106 0.1281 0.0573 0.0658 0.1273 0.0525 0.0614 0.0468 0.0757 0.0348 0.0439 0.0243 0.0409 0.0402 0.0495 0.0528 0.0310 0.0310 55 0.2327 0.2770 0.0920 0.0871 0.0938 0.0593 0.0694 0.1460 0.0539 0.0721 0.1171 0.1354 0.0605 0.0694 0.1343 0.0553 0.0647 0.0493 0.0796 0.0366 0.0460 0.0254 0.0428 0.0420 0.0517 0.0551 0.0323 0.0323 56 0.2499 0.2970 0.0985 0.0931 0.1002 0.0633 0.0740 0.1556 0.0574 0.0766 0.1242 0.1433 0.0639 0.0732 0.1416 0.0584 0.0683 0.0519 0.0838 0.0385 0.0483 0.0267 0.0449 0.0440 0.0540 0.0576 0.0337 0.0337 57 0.2686 0.3189 0.1057 0.0997 0.1071 0.0676 0.0790 0.1659 0.0611 0.0815 0.1319 0.1520 0.0676 0.0774 0.1494 0.0616 0.0720 0.0547 0.0883 0.0405 0.0508 0.0280 0.0470 0.0461 0.0565 0.0602 0.0352 0.0352 58 0.2890 0.3428 0.1134 0.1069 0.1147 0.0722 0.0843 0.1771 0.0652 0.0868 0.1403 0.1614 0.0717 0.0819 0.1578 0.0649 0.0759 0.0577 0.0931 0.0427 0.0535 0.0294 0.0494 0.0483 0.0592 0.0630 0.0368 0.0368 59 0.3112 0.3688 0.1219 0.1147 0.1230 0.0773 0.0902 0.1892 0.0696 0.0926 0.1494 0.1716 0.0762 0.0868 0.1671 0.0686 0.0801 0.0609 0.0982 0.0450 0.0564 0.0310 0.0519 0.0507 0.0621 0.0659 0.0385 0.0385 60 0.3353 0.3971 0.1312 0.1233 0.1320 0.0829 0.0966 0.2022 0.0743 0.0988 0.1594 0.1828 0.0810 0.0922 0.1772 0.0726 0.0846 0.0642 0.1035 0.0475 0.0594 0.0326 0.0546 0.0533 0.0652 0.0691 0.0403 0.0403

Note: (a) Assumed mortality rates by birth year are based on selected life expectancy as shown in Appendix E, Exhibit VII, Column (9).

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix EEvaluated As of March 31, 2016 Exhibit V

Sheet 2Adjusted q(x) (a)

Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted Adjusted AdjustedTime q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x) q(x)(Year) BY 1989 BY 1990 BY 1991 BY 1992 BY 1993 BY 1994 BY 1995 BY 1996 BY 1997 BY 1998 BY 1999 BY 2000 BY 2001 BY 2002 BY 2003 BY 2004 BY 2005 BY 2006 BY 2007 BY 2008 BY 2009 BY 2010 BY 2011 BY 2012 BY 2013 BY 2014 BY 2015 BY 2016

----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- ----------- -----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (27) (28) (29)

61 0.3616 0.4279 0.1413 0.1327 0.1419 0.0890 0.1035 0.2165 0.0795 0.1055 0.1701 0.1950 0.0863 0.0981 0.1882 0.0770 0.0896 0.0679 0.1092 0.0500 0.0627 0.0344 0.0576 0.0561 0.0685 0.0726 0.0423 0.0423 62 0.3900 0.4614 0.1522 0.1429 0.1527 0.0957 0.1112 0.2322 0.0851 0.1128 0.1817 0.2082 0.0920 0.1045 0.2001 0.0818 0.0950 0.0719 0.1154 0.0528 0.0661 0.0363 0.0607 0.0592 0.0721 0.0763 0.0444 0.0444 63 0.4207 0.4977 0.1641 0.1540 0.1644 0.1030 0.1195 0.2493 0.0912 0.1208 0.1942 0.2223 0.0982 0.1114 0.2132 0.0870 0.1009 0.0762 0.1222 0.0558 0.0698 0.0383 0.0641 0.0624 0.0760 0.0803 0.0467 0.0467 64 0.4540 0.5369 0.1770 0.1660 0.1772 0.1109 0.1286 0.2680 0.0980 0.1296 0.2080 0.2377 0.1049 0.1189 0.2274 0.0927 0.1073 0.0809 0.1296 0.0591 0.0737 0.0404 0.0675 0.0658 0.0801 0.0847 0.0491 0.0491 65 0.4897 0.5793 0.1910 0.1791 0.1910 0.1195 0.1384 0.2883 0.1053 0.1391 0.2230 0.2545 0.1122 0.1270 0.2427 0.0988 0.1143 0.0861 0.1376 0.0626 0.0780 0.0427 0.0713 0.0694 0.0845 0.0893 0.0518 0.0518 66 0.5282 0.6250 0.2061 0.1932 0.2060 0.1288 0.1492 0.3105 0.1133 0.1495 0.2395 0.2729 0.1201 0.1358 0.2592 0.1055 0.1219 0.0917 0.1463 0.0665 0.0827 0.0452 0.0753 0.0732 0.0891 0.0942 0.0546 0.0546 67 0.5693 0.6740 0.2223 0.2084 0.2223 0.1390 0.1608 0.3346 0.1220 0.1609 0.2574 0.2930 0.1288 0.1454 0.2771 0.1127 0.1301 0.0978 0.1559 0.0707 0.0879 0.0479 0.0797 0.0774 0.0940 0.0993 0.0576 0.0576 68 0.6131 0.7265 0.2398 0.2249 0.2398 0.1499 0.1735 0.3607 0.1314 0.1732 0.2769 0.3150 0.1383 0.1560 0.2967 0.1205 0.1390 0.1044 0.1663 0.0753 0.0934 0.0509 0.0845 0.0819 0.0994 0.1048 0.0607 0.0607 69 0.6588 0.7824 0.2585 0.2425 0.2587 0.1618 0.1872 0.3891 0.1417 0.1867 0.2982 0.3389 0.1487 0.1675 0.3182 0.1290 0.1486 0.1115 0.1775 0.0804 0.0995 0.0541 0.0898 0.0868 0.1052 0.1107 0.0640 0.0640 70 0.7063 0.8407 0.2783 0.2614 0.2790 0.1745 0.2020 0.4198 0.1529 0.2013 0.3214 0.3649 0.1599 0.1800 0.3416 0.1383 0.1591 0.1192 0.1895 0.0858 0.1062 0.0577 0.0955 0.0922 0.1115 0.1172 0.0677 0.0677 71 0.7555 0.9013 0.2991 0.2815 0.3008 0.1882 0.2179 0.4529 0.1649 0.2171 0.3465 0.3932 0.1722 0.1937 0.3672 0.1485 0.1706 0.1276 0.2027 0.0916 0.1133 0.0615 0.1017 0.0981 0.1185 0.1243 0.0717 0.0717 72 0.8066 0.9641 0.3206 0.3025 0.3239 0.2029 0.2350 0.4886 0.1779 0.2342 0.3737 0.4240 0.1856 0.2085 0.3951 0.1596 0.1832 0.1368 0.2170 0.0979 0.1210 0.0656 0.1085 0.1045 0.1260 0.1320 0.0760 0.0760 73 0.8601 1.0000 0.3430 0.3243 0.3480 0.2185 0.2533 0.5270 0.1920 0.2527 0.4032 0.4573 0.2001 0.2247 0.4255 0.1718 0.1969 0.1469 0.2327 0.1049 0.1294 0.0701 0.1158 0.1114 0.1342 0.1403 0.0807 0.0807 74 0.8916 1.0000 0.3662 0.3469 0.3731 0.2348 0.2727 0.5680 0.2070 0.2726 0.4350 0.4934 0.2158 0.2423 0.4585 0.1850 0.2118 0.1579 0.2498 0.1125 0.1386 0.0750 0.1237 0.1189 0.1431 0.1495 0.0858 0.0858 75 0.8916 1.0000 0.3905 0.3704 0.3991 0.2517 0.2931 0.6117 0.2232 0.2940 0.4693 0.5323 0.2329 0.2613 0.4943 0.1993 0.2281 0.1699 0.2685 0.1208 0.1486 0.0803 0.1322 0.1270 0.1528 0.1595 0.0914 0.0914 76 0.8916 1.0000 0.4048 0.3949 0.4261 0.2692 0.3142 0.6573 0.2403 0.3169 0.5062 0.5743 0.2513 0.2819 0.5332 0.2149 0.2458 0.1830 0.2889 0.1298 0.1595 0.0861 0.1416 0.1358 0.1632 0.1702 0.0975 0.0975 77 0.8916 1.0000 0.4048 0.4094 0.4544 0.2874 0.3361 0.7047 0.2582 0.3413 0.5456 0.6194 0.2711 0.3042 0.5752 0.2318 0.2650 0.1972 0.3111 0.1396 0.1715 0.0924 0.1518 0.1454 0.1745 0.1818 0.1041 0.1041 78 0.8916 1.0000 0.4048 0.4094 0.4710 0.3065 0.3588 0.7538 0.2768 0.3667 0.5875 0.6676 0.2923 0.3282 0.6206 0.2501 0.2858 0.2126 0.3353 0.1504 0.1845 0.0993 0.1630 0.1560 0.1868 0.1944 0.1111 0.1111 79 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3826 0.8048 0.2961 0.3931 0.6313 0.7190 0.3151 0.3540 0.6696 0.2698 0.3084 0.2293 0.3615 0.1620 0.1987 0.1069 0.1752 0.1675 0.2003 0.2081 0.1188 0.1188 80 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8582 0.3162 0.4206 0.6768 0.7725 0.3393 0.3815 0.7221 0.2911 0.3327 0.2474 0.3899 0.1747 0.2141 0.1151 0.1885 0.1800 0.2151 0.2232 0.1272 0.1272 81 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3371 0.4490 0.7240 0.8282 0.3646 0.4108 0.7784 0.3139 0.3590 0.2669 0.4207 0.1885 0.2308 0.1240 0.2030 0.1937 0.2312 0.2396 0.1364 0.1364 82 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4788 0.7730 0.8860 0.3909 0.4415 0.8382 0.3384 0.3872 0.2880 0.4539 0.2033 0.2490 0.1337 0.2187 0.2085 0.2487 0.2576 0.1465 0.1465 83 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8242 0.9459 0.4182 0.4733 0.9007 0.3644 0.4173 0.3106 0.4897 0.2194 0.2686 0.1442 0.2358 0.2247 0.2678 0.2771 0.1575 0.1575 84 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4465 0.5063 0.9656 0.3916 0.4494 0.3347 0.5281 0.2367 0.2898 0.1556 0.2544 0.2423 0.2886 0.2984 0.1694 0.1694 85 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4760 0.5405 1.0000 0.4198 0.4829 0.3605 0.5692 0.2552 0.3127 0.1679 0.2744 0.2613 0.3112 0.3216 0.1824 0.1824 86 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5764 1.0000 0.4491 0.5177 0.3873 0.6130 0.2751 0.3372 0.1811 0.2961 0.2820 0.3357 0.3467 0.1966 0.1966 87 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.4794 0.5538 0.4153 0.6587 0.2963 0.3635 0.1953 0.3194 0.3042 0.3621 0.3739 0.2119 0.2119 88 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5112 0.5912 0.4442 0.7061 0.3183 0.3914 0.2105 0.3445 0.3282 0.3907 0.4034 0.2286 0.2286 89 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6304 0.4743 0.7554 0.3413 0.4206 0.2267 0.3713 0.3540 0.4215 0.4353 0.2466 0.2466 90 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5057 0.8065 0.3651 0.4509 0.2436 0.3999 0.3815 0.4546 0.4696 0.2661 0.2661 91 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8599 0.3898 0.4824 0.2612 0.4297 0.4109 0.4900 0.5065 0.2871 0.2871 92 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4156 0.5150 0.2794 0.4607 0.4415 0.5277 0.5459 0.3096 0.3096 93 0.8916 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5491 0.2983 0.4928 0.4733 0.5670 0.5879 0.3337 0.3337 94 1.0000 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3180 0.5261 0.5063 0.6079 0.6317 0.3594 0.3594 95 1.0000 1.0000 0.4048 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5610 0.5405 0.6503 0.6772 0.3862 0.3862 96 1.0000 1.0000 1.0000 0.4094 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5764 0.6943 0.7244 0.4140 0.4140 97 1.0000 1.0000 1.0000 1.0000 0.4710 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7403 0.7735 0.4429 0.4429 98 1.0000 1.0000 1.0000 1.0000 1.0000 0.3177 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8247 0.4729 0.4729 99 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.3966 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5042 0.5042 100 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.8895 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 101 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.3495 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 102 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.4963 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 103 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.8544 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 104 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 105 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.4935 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 106 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.5974 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 107 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 108 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.5299 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 109 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.6535 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 110 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.5242 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 111 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.8914 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 112 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.4308 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 113 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.5692 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 114 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.3297 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 115 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.5815 0.5975 0.7674 0.8549 0.5226 0.5226 116 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.5975 0.7674 0.8549 0.5226 0.5226 117 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.7674 0.8549 0.5226 0.5226 118 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.8549 0.5226 0.5226 119 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 0.5226 0.5226 120 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

Note: (a) Assumed mortality rates by birth year are based on selected life expectancy as shown in Appendix E, Exhibit VII, Column (9).

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix EEvaluated As of March 31, 2016 Exhibit VI

Sheet 1Development of Average Annual Remaining Payments Relativity

All Open Accepted Claims (AAA Only) with Life ExpectancyAverageAnnual Average

Remaining Annual AverageIndicated Payment Remaining AnnualBirth Year Remaining Relativity Payment Remaining

Number Relativity Life Based on Based on PaymentSum of (a) of Years Average Based on Expectancy Cumulative Current (f) Case O/S RelativityRemaining Cumulative Since Annual Average X Annual Payments Case O/S & Life Based on

Birth Life Paid (b) Date of Payment Annual Payment to Date Loss & ALAE Expectancy CurrentYear Expectancy Loss & ALAE Claim (c) (3) / (4) Payment (d) Relativity (e) (7) / (2) @ 3/31/16 (9) / (2) Case O/S (g)

---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)

1989 91.44 8,815,630 124 71,100 0.986 66.59 0.728 12,589,175 137,677 0.993 1990 47.85 2,238,374 72 31,080 0.431 23.95 0.501 5,532,879 115,630 0.834 1991 115.45 7,157,056 91 78,892 1.094 126.02 1.092 19,994,125 173,184 1.249 1992 262.93 11,664,920 200 58,293 0.808 207.47 0.789 37,943,597 144,311 1.041 1993 222.53 13,071,308 164 79,543 1.103 134.33 0.604 27,193,631 122,202 0.881 1994 134.69 3,107,710 79 39,125 0.543 94.82 0.704 14,421,718 107,073 0.772 1995 155.64 8,000,201 95 84,364 1.170 172.58 1.109 21,976,305 141,200 1.018 1996 124.69 7,031,977 107 66,016 0.915 102.27 0.820 20,466,289 164,137 1.183 1997 271.41 8,824,237 129 68,230 0.946 193.02 0.711 30,078,739 110,824 0.799 1998 353.25 15,933,429 189 84,366 1.170 372.67 1.055 55,406,882 156,849 1.131 1999 89.52 5,716,566 59 97,039 1.346 107.78 1.204 16,188,318 180,835 1.304 2000 100.55 3,949,017 72 54,916 0.761 68.44 0.681 14,015,406 139,387 1.005 2001 123.70 4,626,267 47 98,035 1.359 164.14 1.327 21,120,601 170,741 1.231 2002 400.16 10,511,063 154 68,240 0.946 372.61 0.931 60,468,805 151,112 1.090 2003 57.40 2,846,039 30 93,898 1.302 76.14 1.326 11,684,590 203,564 1.468 2004 156.36 2,984,040 46 64,450 0.894 112.83 0.722 20,503,608 131,131 0.945 2005 199.92 4,346,520 59 73,174 1.015 136.36 0.682 26,051,446 130,309 0.940 2006 323.70 6,200,550 72 86,660 1.202 372.59 1.151 45,329,710 140,036 1.010 2007 198.09 6,435,336 53 120,309 1.668 323.34 1.632 34,633,035 174,835 1.261 2008 364.24 3,230,929 57 56,308 0.781 263.39 0.723 52,299,546 143,585 1.035 2009 292.05 3,261,812 48 68,139 0.945 262.34 0.898 43,781,939 149,912 1.081 2010 250.72 1,382,025 24 57,560 0.798 190.91 0.761 25,238,648 100,665 0.726 2011 299.63 1,761,573 27 65,003 0.901 279.19 0.932 38,821,192 129,564 0.934 2012 214.74 883,605 14 65,452 0.908 202.91 0.945 23,646,371 110,116 0.794 2013 165.37 1,495,426 11 137,195 1.902 371.97 2.249 18,846,871 113,968 0.822 2014 110.00 935,289 6 150,853 2.092 242.24 2.202 12,693,929 115,399 0.832 20152016

Totals / Avg. 5,126.03 146,410,900 2,030 72,117 710,927,354 138,690

Notes: (a) See Appendix E, Exhibit VI, Sheets 2a to 2f, Column (4). (b) See Appendix E, Exhibit VI, Sheets 2a to 2f, Column (5). (c) See Appendix E, Exhibit VI, Sheets 2a to 2f, Column (6). (d) Based on column (5) divided by the average for all birth years. (e) See Appendix E, Exhibit VI, Sheets 2a to 2f, Column (9). (f) See Appendix E, Exhibit VI, Sheets 2a to 2f, Column (11). (g) Based on column (10) divided by the average for all birth years.

Florida Birth Related Neurological Injury Compensation Association (NICA) Appendix EDevelopment of Remaining Life Expectancy Exhibit VIIEvaluated As of March 31, 2016

A. Adjustment for Life Expectancy (a) 1.250

After (a)Average Life Expectancy Adjustment

Accepted Claim Counts ---------------------------------------------------------------------- SelectedAAA with life expectancy Indicated (d) Selected (e) Remaining

------------------------------------------------- Actual All Average Average LifeBirth Reported Ultimate IBNR Birth Birth Life Life ExpectancyYear Counts (b) Counts (c) (3) - (2) Year Years Expectancy Expectancy (8) x A

------------- ------------- ------------- ------------- ------------- ------------- ------------- ------------- -------------(1) (2) (3) (4) (5) (6) (7) (8) (9)

1989 18.29 18.29 22.86 1990 15.95 15.95 19.94 1991 28.86 28.86 36.08 1992 29.21 29.21 36.51 1993 27.82 27.82 34.78 1994 33.67 33.67 42.09 1995 31.13 31.13 38.91 1996 20.78 20.78 25.98 1997 33.93 33.93 42.41 1998 29.44 29.44 36.80 1999 22.38 22.38 27.98 2000 20.11 20.11 25.14 2001 30.93 30.93 38.66 2002 28.58 28.58 35.73 2003 19.13 19.13 23.91 2004 31.27 31.27 39.09 2005 28.56 28.56 35.70 2006 32.37 32.37 40.46 2007 24.76 24.76 30.95 2008 36.42 36.42 45.53 2009 32.45 32.45 40.56 2010 41.79 41.79 52.24 2011 9 11 2 33.29 29.29 32.56 33.00 41.25 2012 6 11 5 35.79 29.29 32.84 33.00 41.25 2013 6 10 4 27.56 29.29 28.25 29.00 36.25 2014 5 16 11 22.00 29.29 27.01 28.00 35.00 2015 - 12 12 - 29.29 29.29 30.00 37.50 2016 - 4 4 - 29.29 29.29 30.00 37.50

Notes: (a) Final selected remaining life expectancy estimated to include consideration of increased life expectancy over time by 0.2 per year. (b) Based on AAA claims with life expectancy. (c) See Exhibit X, Sheet 1a, Column (10) minus Column (3). (d) Based on the formula: {[(5) x (2)] + [(6) x (4)]} / (3). (e) For birth years 2010 and prior, it is based on actual average remaining life expectancy by birth year as shown in column (5). For birth years 2011 to 2016, see column (7).

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